Average Auto Insurance Rates

You can see some modest fluctuations in October 2009 for some states. A nice feature with CarInsurance.com is that once you get a quote, your information is stored. You can come back every month and with the click of a button see how your rates have changed. You don't have to get a new quote each time! In most states, rates are up in 2009 compared to 2008's average auto insurance premium, but to date in October 2009, Arkansas, Washington DC, Mississippi, and New York show an annual decline in insurance costs. It will be interesting to watch Wisconsin as new insurance laws go into effect. Rates will have to increase because of the higher insurance limit requirements.

Location	2007	2008	2009	Annual Change		Sep-2009	Oct-2009	Monthly Change
National	$1,589	$1,600	$1,780		11.25 %	$1,673	$1,655		1.07 %
Alaska	NA	NA	$2,496		*	*	$2,473		*
Alabama	NA	$1,463	$1,456		0.47 %	$1,289	$1,344		4.26 %
Arkansas	$1,211	$1,341	$1,315		1.93 %	$1,245	$1,274		2.32 %
Arizona	$1,791	$1,632	$1,818		11.39 %	$1,633	$1,646		0.79 %
California	$1,571	$1,559	$1,695		8.72 %	$1,544	$1,503		2.65 %
Colorado	$1,378	$1,296	$1,665		28.47 %	$1,617	$1,491		7.79 %
Connecticut	$2,089	$1,989	$2,184		9.80 %	$2,228	$2,096		5.92 %
District of Columbia	NA	$2,667	$2,587		*	*	*		*
Delaware	NA	NA	$2,305		N/A	$2,355	$2,299		2.37 %
Florida	$1,580	$1,592	$1,685		5.84 %	$1,553	$1,544		0.57 %
Georgia	$1,420	$1,416	$1,609		13.62 %	$1,614	$1,501		7.00 %
Hawaii	NA	NA	$1,396		N/A	$1,254	$1,315		4.86 %
Iowa	NA	$1,189	$1,327		11.60 %	$1,179	$1,143		3.05 %
Idaho	NA	NA	$1,469		N/A	$1,283	$1,469		14.49 %
Illinois	$1,105	$1,117	$1,218		9.04 %	$1,308	$1,251		4.35 %
Indiana	$1,244	$1,291	$1,765		36.71 %	$1,649	$1,612		2.24 %
Kansas	NA	$1,369	$1,916		39.95 %	$1,755	$1,785		1.70 %
Kentucky	$1,667	$1,650	$1,945		17.87 %	$1,942	$2,005		3.24 %
Louisiana	$1,858	$2,071	$2,387		15.25 %	$2,345	$2,169		7.50 %
Maryland	$2,020	$1,997	$2,330		16.67 %	$2,430	$2,270		6.58 %
Maine	NA	$1,333	$1,476		10.72 %	$1,464	$1,447		1.16 %
Michigan	$1,823	$1,826	$2,282		24.97 %	$2,105	$2,135		1.42 %
Minnesota	$1,596	$1,499	$1,840		22.74 %	$1,732	$1,800		3.92 %
Missouri	$1,326	$1,328	$1,640		23.49 %	$1,636	$1,555		4.95 %
Mississippi	$1,391	$1,485	$1,440		3.03 %	$1,309	$1,248		4.66 %
Montana	NA	NA	$1,779		N/A	$1,886	$1,590		15.69 %
North Carolina	$1,223	$1,222	$1,588		29.95 %	$1,563	$1,524		2.49 %
North Dakota	NA	NA	$1,548		*	*	*		*
Nebraska	NA	NA	$1,419		N/A	$1,160	$1,398		20.51 %
New Hampshire	NA	$1,359	$1,636		20.38 %	$1,518	$1,659		9.28 %
New Jersey	NA	$2,207	$2,508		13.63 %	$2,616	$2,578		1.45 %
New Mexico	NA	$1,708	$1,901		11.29 %	$1,691	$1,748		3.37 %
Nevada	$1,978	$1,909	$2,066		8.22 %	$1,879	$1,943		3.40 %
New York	$2,419	$2,452	$2,429		0.93 %	$2,300	$2,383		3.60 %
Ohio	$1,172	$1,134	$1,451		27.95 %	$1,388	$1,316		5.18 %
Oklahoma	NA	$1,788	$2,056		14.98 %	$2,022	$1,989		1.63 %
Oregon	$1,465	$1,365	$1,739		27.39 %	$1,556	$1,656		6.42 %
Pennsylvania	$1,761	$1,686	$2,024		20.04 %	$1,955	$1,924		1.58 %
Rhode Island	NA	$2,120	$2,289		7.97 %	$2,410	$2,406		0.16 %
South Carolina	$1,442	$1,403	$1,639		16.82 %	$1,662	$1,601		3.67 %
South Dakota	NA	NA	$1,379		*	*	*		*
Tennessee	$1,214	$1,294	$1,566		21.02 %	$1,616	$1,539		4.76 %
Texas	$1,640	$1,660	$1,889		13.79 %	$1,620	$1,692		4.44 %
Utah	NA	$1,402	$1,737		23.89 %	$1,569	$1,454		7.32 %
Virginia	$1,267	$1,314	$1,483		12.86 %	$1,415	$1,427		0.84 %
Vermont	NA	NA	$1,346		*	*	*		*
Washington	$1,750	$1,627	$1,910		17.39 %	$1,699	$1,753		3.17 %
Wisconsin	$1,306	$1,307	$1,545		18.20 %	$1,353	$1,419		4.87 %
West Virginia	NA	$1,731	$2,021		16.75 %	$1,876	$1,827		2.61 %
Wyoming	NA	NA	$1,583		*	*	*		*
NA-CarInsurance.com did not offer quotes during this entire period. *-Indicates insufficient data to meet CPI's study criteria, for informational purposes only.