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State car insurance rates


Every state has its own car insurance laws, and that means car insurance rates change dramatically across the country. See the average annual car insurance for each state. Click on your state to find out:

  • Average rates by ZIP code
  • Minimum insurance requirements
  • Laws specific to your state
  • Largest car insurance companies in your state

Washington Idaho Montana North Dakota Minnesota Wisconsin Michigan Oregon Wyoming South Dakota Iowa Illinois Indiana Ohio California Nevada Utah Colorado Nebraska Kansas Missouri Kentucky Arizona New Mexico Texas Oklahoma Arkansas Louisiana Mississippi Tennessee Alabama Georgia Florida West Virginia Maryland Pennsylvania New York Vermont New Hampshire Maine Massachusetts Rhode Island Connecticut New Jersey Delaware Virginia North Carolina South Carolina Alaska Hawaii Washington DC DE VT NJ RI CT NH MA MD DC HI

StateAverage rateCompared to national average of $1,355Rank, most expensive to least
Michigan $2,484 $1,129 1
Louisiana $2,190 $835 2
Florida $1,823 $477 3
Connecticut $1,771 $416 4
New York $1,759 $404 5
Kentucky $1,752 $397 6
Nevada $1,746 $391 7
DC $1,723 $368 8
Rhode Island $1,688 $333 9
Delaware $1,646 $291 10
Oklahoma $1,643 $288 11
Pennsylvania $1,522 $167 12
California $1,518 $163 13
Wyoming $1,494 $139 14
Hawaii $1,458 $103 15
Colorado $1,404 $49 16
Maryland $1,390 $35 17
West Virginia $1,375 $20 18
Arkansas $1,370 $15 19
Arizona $1,356 $1 20
Wisconsin $1,351 -$4 21
New Jersey $1,346 -$9 22
Georgia $1,340 -$15 23
Mississippi $1,323 -$32 24
North Dakota $1,315 -$40 25
Texas $1,300 -$55 26
Alabama $1,299 -$56 27
Oregon $1,264 -$91 28
South Carolina $1,260 -$95 29
New Mexico $1,253 -$102 30
Kansas $1,242 -$113 31
Montana $1,224 -$131 32
Tennessee $1,214 -$141 33
Utah $1,199 -$156 34
Washington $1,191 -$164 35
Massachusetts $1,191 -$164 36
Minnesota $1,187 -$168 37
Missouri $1,154 -$201 38
Nebraska $1,113 -$242 39
Alaska $1,109 -$246 40
New Hampshire $1,101 -$345 41
South Dakota $1,059 -$296 42
Iowa $1,015 -$340 43
Illinois $1,004 -$351 44
Virginia $972 -$383 45
Indiana $964 -$391 46
Vermont $963 -$392 47
North Carolina $960 -$395 48
Ohio $952 -$403 49
Idaho $941 -$414 50
Maine $925 -$430 51
*Methodology:

CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2016 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm). 

Averages rates are based on full coverage insurance for a married 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The rate includes uninsured motorist coverage. This hypothetical driver has a clean record and good credit. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.

Nearly everything having to do with car insurance depends heavily on your state. The resources linked below will help you understand specific laws that may or may not affect you.

What is a tort state?: Thirty-eight states use the tort system, which means that someone is found at fault for every accident that involves car insurance, even if the fault is determined to be 50/50 between two drivers.

What is a no-fault state?: Under the no-fault system, car insurance companies pay for certain damages regardless of who was at fault. Laws vary among the 12 states that have no-fault insurance.

No pay, no play states: In states with “no pay, no play” laws, driving without insurance is even more risky than in other states. Uninsured drivers in these states are not compensated for any damage, even in accidents that are not their fault.

Which states share speeding ticket information?: Many states have formal agreements with each other, such as the Drivers License Compact and the Non-Resident Violator Compact, to share information regarding traffic tickets when drivers are ticketed out of state.


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1 Responses to "State car insurance rates"
  1. farnando

    Thank you. This was just the information I was searching for.

      Reply»  
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