State car insurance rates | CarInsurance.com
Call Us Toll Free: 1-855-430-7753
Go To Top
Get Personalized Car Insurance Quotes
Age
Currently Insured?

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

WashingtonIdahoMontanaNorth DakotaMinnesotaWisconsinMichiganOregonWyomingSouth DakotaIowaIllinoisIndianaOhioCaliforniaNevadaUtahColoradoNebraskaKansasMissouriKentuckyArizonaNew MexicoTexasOklahomaArkansasLouisianaMississippiTennesseeAlabamaGeorgiaFloridaWest VirginiaMarylandPennsylvaniaNew YorkVermontNew HampshireMaineMassachusettsRhode IslandConnecticutNew JerseyDelawareVirginiaNorth CarolinaSouth CarolinaAlaskaHawaiiWashington DCDEVTNJRICTNHMAMDDCHI

StateAverage rateCompared to national average of $1,355Rank, most expensive to least
Michigan$2,484$1,1291
Louisiana$2,190$8352
Florida$1,823$4773
Connecticut$1,771$4164
New York$1,759$4045
Kentucky$1,752$3976
Nevada$1,746$3917
DC$1,723$3688
Rhode Island$1,688$3339
Delaware$1,646$29110
Oklahoma$1,643$28811
Pennsylvania$1,522$16712
California$1,518$16313
Wyoming$1,494$13914
Hawaii$1,458$10315
Colorado$1,404$4916
Maryland$1,390$3517
West Virginia$1,375$2018
Arkansas$1,370$1519
Arizona$1,356$120
Wisconsin$1,351-$421
New Jersey$1,346-$922
Georgia$1,340-$1523
Mississippi$1,323-$3224
North Dakota$1,315-$4025
Texas$1,300-$5526
Alabama$1,299-$5627
Oregon$1,264-$9128
South Carolina$1,260-$9529
New Mexico$1,253-$10230
Kansas$1,242-$11331
Montana$1,224-$13132
Tennessee$1,214-$14133
Utah$1,199-$15634
Washington$1,191-$16435
Massachusetts$1,191-$16436
Minnesota$1,187-$16837
Missouri$1,154-$20138
Nebraska$1,113-$24239
Alaska$1,109-$24640
New Hampshire$1,101-$34541
South Dakota$1,059-$29642
Iowa$1,015-$34043
Illinois$1,004-$35144
Virginia$972-$38345
Indiana$964-$39146
Vermont$963-$39247
North Carolina$960-$39548
Ohio$952-$40349
Idaho$941-$41450
Maine$925-$43051
*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.


Comments

Tell us your thoughts

Leave a Comment
 

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

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

      Reply»  
Disclaimer: Answers and comments provided are for information purposes. They are not intended to substitute informed professional advice. These responses should not be interpreted as a recommendation to buy or sell any insurance product, or to provide financial or legal advice. Please refer to your insurance policy for specific coverage and exclusion information. Please read our Terms of Service.