State Car Insurance Guides

Find out which states have the cheapest rates as well discover your states laws, driving hazards, and company comparisons

FREE Car Insurance Comparison

 Secured with SHA-256 Encryption

Compare quotes from the top car insurance companies and save!

Location Matters

When it comes to car insurance, no question can be fully answered until the where is determined. It’s shocking how much car insurance prices and laws vary from state to state. The states that make up the United States of America are far from united when it comes to how they govern their drivers.

For this very reason, our team of researchers created complete guides on each state and even major cities within them (links below).

These essential area-specific guides are packed full of everything from the minimum coverage drivers are required to carry to how long commuters are stuck in traffic on their way to work.

In our comprehensive guides will find car insurance rates by zip code, provider, and how they vary by unique driver profiles. You can even find out what you would be expected to pay after one ticket or accident in that specific location.

Rates by State

Before you are wowed by one of our state or city guides, take a look at the two charts below to see how drastically insurance prices vary across America. Check out the ten least and most expensive states for car insurance with their average rates broken down by type of coverage.

You think that’s interesting? Just wait until you scroll through one of our guides.

The 10 States with the Cheapest Car Insurance

STATECOLLISIONCOMPREHENSIVELIABILITYFULL COVERAGE
Idaho$219$117$344$680
Iowa$220$184$299$702
Maine$260$105$339$704
Wisconsin$226$137$374$737
Indiana$250$122$383$755
Vermont$295$125$343$764
South Dakota$209$258$300$767
North Dakota$244$231$298$773
Ohio$270$122$397$789
North Carolina$294$136$359$789

Even when just looking at the ten cheapest states for auto insurance, Maine and South Dakota’s rates for comprehensive vary by over $150. And, while Idaho has the cheapest full coverage in the U.S., other states have cheaper prices in the specific lines of coverage.

Car insurance prices are sneaky like that. You have to pay close attention to all the minor details—they sure add up fast.

The 10 States with the Most Expensive Car Insurance

STATECOLLISIONCOMPREHENSIVELIABILITYFULL COVERAGE
Maryland$354$153$610$1,116
Massachusetts$388$135$606$1,129
Connecticut$369$132$651$1,151
Delaware$319$122$799$1,241
Florida$283$117$858$1,257
Rhode Island$412$132$760$1,304
New York$385$171$805$1,361
Michigan$414$155$795$1,364
New Jersey$382$131$870$1,383
Louisiana$414$215$776$1,405

You’d be hard-pressed to find an insurance provider in any of the above ten states that will offer you full auto coverage for under one thousand dollars a year. If you live in one of these most expensive states, you can expect to pay $800 or more for liability coverage alone.

Again, you’ll find quite the variance in rates . . . an average $131 difference between collision coverage in Florida and its neighbor, Louisiana. And, a $264 price difference on liability coverage between New Jersey and Massachusetts.

When comparing car insurance rates across the country, you’ll quickly come to an alarming realization: residents in the cheapest states are paying over $700 less each year for their car insurance coverage than residents in the most expensive states.

Dig Deeper

Comparing average car insurance rates across the U.S. is helpful, especially for those who are moving or travelling out of state. But, you really need to know the insurance laws and rates where you live, work, and spend the most time on the roads.

Below you will find links to our comprehensive guides for the top cities in every state.

These auto insurance guides are an indispensable source for all things relating to traffic, driving, and of course, insurance in the specific cities where you will be driving.

We don’t sell car insurance, but we can help you find the best providers out there who do. We’re a team of experts who work daily to bring you the most up-to-date crash stats, auto insurance rates, and much more. We’re here to make sure you have the knowledge you need to protect your investments and family each time you brave the open road.

Follow the links below to get your insurance questions answered for the specific states and cities where you and your loved ones will be driving.

ALABAMA (AL)

Capital: Montgomery
Statehood: December 14, 1819 (22nd)
Population: 4,887,871 (24th)
Nicknames:
The Yellowhammer State
The Heart of Dixie
The Cotton State

City Guides:

Birmingham
Hoover
Huntsville
Mobile
Montgomery
Tuscaloosa

ALASKA (AK)

Capital: Juneau
Statehood: January 3, 1959 (49th)
Population: 737,438 (48th)
Nicknames:
The Last Frontier
The Great Land
The Land of the Midnight Sun

City Guides:

Anchorage
Fairbanks
Juneau
Ketchikan
Sitka
Wasilla

ARIZONA (AZ)

Capital: Phoenix
Statehood: February 14, 1912 (48th)
Population: 7,171,646 (14th)
Nicknames:
The Grand Canyon State
The Copper State
The Valentine State

City Guides:

Chandler
Glendale
Mesa
Phoenix
Scottsdale
Tucson

ARKANSAS (AR)

Capital: Little Rock
Statehood: June 15, 1836 (25th)
Population: 3,013,825 (33rd)
Nicknames:
The Natural State
The Land of Opportunity
The Bear State

City Guides:

Fayetteville
Fort Smith
Jonesboro
Little Rock
North Little Rock
Springdale

CALIFORNIA (CA)

Capital: Sacramento
Statehood: September 9, 1850 (31st)
Population: 39,557,045 (1st)
Nicknames:
The Golden State
El Dorado State
The Land of Milk and Honey

City Guides:

Fresno
Los Angeles
Sacramento
San Diego
San Francisco
San Jose

COLORADO (CO)

Capital: Denver
Statehood: August 1, 1876 (38th)
Population: 5,695,564 (21st)
Nicknames:
The Centennial State
Colorful Colorado
The Highest State

City Guides:

Aurora
Colorado Springs
Denver
Fort Collins
Lakewood
Thornton

CONNECTICUT (CT)

Capital: Hartford
Statehood: January 9, 1788 (5th)
Population: 3,572,665 (29th)
Nicknames:
The Constitution State
The Nutmeg State
The Provision State

City Guides:

Bridgeport
Hartford
New Haven
Norwalk
Stamford
Waterbury

DELAWARE (DE)

Capital: Dover
Statehood: December 7, 1787 (1st)
Population: 967,171 (45th)
Nicknames:
The First State
The Small Wonder
The Blue Hen State

City Guides:

Dover
Middletown
Milford
Newark
Smyrna
Wilmington

FLORIDA (FL)

Capital: Tallahassee
Statehood: March 3, 1845 (27th)
Population: 21,299,325 (3rd)
Nicknames:
The Sunshine State
The Orange State
The Everglade State

City Guides:

 Hialeah
Jacksonville
Miami
Orlando
St. Petersburg
Tampa

GEORGIA (GA)

Capital: Atlanta
Statehood: January 2, 1788 (4th)
Population: 10,519,475 (8th)
Nicknames:
The Peach State
The Empire State of the South
The Goober State

City Guides:

Athens
Atlanta
Augusta
Columbus
Macon
Savannah

HAWAII (HI)

Capital: Honolulu
Statehood: August 21, 1959 (50th)
Population: 1,420,491 (40th)
Nicknames:
The Aloha State
Paradise of the Pacific
The Islands of Aloha

City Guides:

East Honolulu
Hilo
Honolulu
Kailua
Pearl City
Waipahu

IDAHO (ID)

Capital: Boise
Statehood: July 3, 1890 (43rd)
Population: 1,754,208 (39th)
Nicknames:
The Gem State
The Gem of the Mountains
Little Ida

City Guides:

Boise
Caldwell
Idaho Falls
Meridian
Nampa
Pocatello

ILLINOIS (IL)

Capital: Springfield
Statehood: December 3, 1818 (21st)
Population: 12,741,080 (6th)
Nicknames:
The Land of Lincoln
The Prairie State
The Corn State

City Guides:

Aurora
Chicago
Joliet
Naperville
Rockford
Springfield

INDIANA (IN)

Capital: Indianapolis
Statehood: December 11, 1816 (19th)
Population: 6,691,878 (17th)
Nicknames:
The Hoosier State
The Prairie State
The Crossroads of America

City Guides:

Carmel
Evansville
Fishers
Fort Wayne
Indianapolis
South Bend

IOWA (IA)

Capital: Des Moines
Statehood: December 28, 1846 (29th)
Population: 3,156,145 (31st)
Nicknames:
The Hawkeye State
The Corn State
The Land of the Rolling Prairie

City Guides:

Cedar Rapids
Davenport
Des Moines
Iowa City
Sioux City
Waterloo

KANSAS (KS)

Capital: Topeka
Statehood: January 29, 1861 (34th)
Population: 2,911,505 (35th)
Nicknames:
The Sunflower State
The Wheat State
The Jayhawker State

City Guides:

Kansas City
Lawrence
Olathe
Overland Park
Topeka
Wichita

KENTUCKY (KY)

Capital: Frankfort
Statehood: June 1, 1792 (15th)
Population: 4,468,402 (26th)
Nicknames:
The Bluegrass State
The Hemp State
The Tobacco State

City Guides:

Bowling Green
Covington
Hopkinsville
Lexington
Louisville
Owensboro

LOUISIANA (LA)

Capital: Baton Rouge
Statehood: April 30, 1812 (18th)
Population: 4,659,978 (25th)
Nicknames:
The Bayou State
The Creole State
The Pelican State

City Guides:

Baton Rouge
Bossier City
Lafayette
Lake Charles
New Orleans
Shreveport

MAINE (ME)

Capital: Augusta
Statehood: March 15, 1820 (23rd)
Population: 1,338,404 (42nd)
Nicknames:
The Pine Tree State
The Lumber State
Vacationland

City Guides:

Auburn
Bangor
Biddeford
Lewiston
Portland
South Portland

MARYLAND (MD)

Capital: Annapolis
Statehood: April 28, 1788 (7th)
Population: 6,042,718 (19th)
Nicknames:
The Old Line State
The Free State
Little America

City Guides:

Baltimore
Bowie
Frederick
Gaithersburg
Hagerstown
Rockville

MASSACHUSETTS (MA)

Capital: Boston
Statehood: February 6, 1788 (6th)
Population: 6,902,149 (15th)
Nicknames:
The Bay State
The Pilgrim State
The Puritan State

City Guides:

Boston
Cambridge
Lowell
Springfield
Worcester
Brockton

MICHIGAN (MI)

Capital: Lansing
Statehood: January 26, 1837 (26th)
Population: 9,995,915 (10th)
Nicknames:
The Great Lake State
The Wolverine State
The Mitten State

City Guides:

Ann Arbor
Detroit
Grand Rapids
Lansing
Sterling Heights
Warren

MINNESOTA (MN)

Capital: Saint Paul
Statehood: May 11, 1858 (32nd)
Population: 5,679,718 (22nd)
Nicknames:
The Land of 10,000 Lakes
The North Star State
The Gopher State

City Guides:

Bloomington
Brooklyn Park
Duluth
Minneapolis
Rochester
Saint Paul

MISSISSIPPI (MS)

Capital: Jackson
Statehood: December 10, 1817 (20th)
Population: 2,986,530 (34th)
Nicknames:
The Magnolia State
The Hospitality State
The Bayou State

City Guides:

Biloxi
Gulfport
Hattiesburg
Jackson
Meridian
Southaven

MISSOURI (MO)

Capital: Jefferson City
Statehood: August 10, 1821 (24th)
Population: 6,126,452 (18th)
Nicknames:
The Show Me State
The Cave State
Mother of the West

City Guides:

Columbia
Independence
Kansas City
Lee’s Summit
Springfield
St. Louis

MONTANA (MT)

Capital: Helena
Statehood: November 8, 1889 (41st)
Population: 1,062,305 (43rd)
Nicknames:
Big Sky Country
The Treasure State
The Bonanza State

City Guides:

Billings
Bozeman
Butte
Great Falls
Helena
Missoula

NEBRASKA (NE)

Capital: Lincoln
Statehood: March 1, 1867 (37th)
Population: 1,929,268 (37th)
Nicknames:
The Cornhusker State
The Tree Planters’ State
The Beef State

City Guides:

Bellevue
Fremont
Grand Island
Kearney
Lincoln
Omaha

NEVADA (NV)

Capital: Carson City
Statehood: October 31, 1864 (36th)
Population: 3,034,392 (32nd)
Nicknames:
The Silver State
The Sagebrush State
The Battle Born State

City Guides:

Carson City
Henderson
Las Vegas
North Las Vegas
Reno
Sparks

NEW HAMPSHIRE (NH)

Capital: Concord
Statehood: June 21, 1788 (9th)
Population: 1,356,458 (41st)
Nicknames:
The Granite State
The White Mountain State
Switzerland of America

City Guides:

Concord
Derry
Dover
Manchester
Nashua
Rochester

NEW JERSEY (NJ)

Capital: Trenton
Statehood: December 18, 1787 (3rd)
Population: 8,908,520 (11th)
Nicknames:
The Garden State
The Clam State
The Pathway of Revolution

City Guides:

Clifton
Elizabeth
Jersey City
Newark
Paterson
Trenton

NEW MEXICO (NM)

Capital: Santa Fe
Statehood: January 6, 1912 (47th)
Population: 2,095,428 (36th)
Nicknames:
The Land of Enchantment
The Cactus State
The Spanish State

City Guides:

Albuquerque
Farmington
Las Cruces
Rio Rancho
Roswell
Santa Fe

NEW YORK (NY)

Capital: Albany
Statehood: July 26, 1788 (11th)
Population: 19,542,209 (4th)
Nicknames:
The Empire State
The Excelsior State
The Knickerbocker State

City Guides:

Albany
Buffalo
New York City
Rochester
Syracuse
Yonkers

NORTH CAROLINA (NC)

Capital: Raleigh
Statehood: November 21, 1789 (12th)
Population: 10,383,620 (9th)
Nicknames:
The Old North State
The Tar Heel State
The First in Flight

City Guides:

Charlotte
Durham
Fayetteville
Greensboro
Raleigh
Winston-Salem

NORTH DAKOTA (ND)

Capital: Bismarck
Statehood: November 2, 1889 (39th)
Population: 760,077 (47th)
Nicknames:
The Peace Garden State
The Roughrider State
The Flickertail State

City Guides:

Bismarck
Fargo
Grand Forks
Mandan
Minot
West Fargo

OHIO (OH)

Capital: Columbus
Statehood: March 1, 1803 (17th)
Population: 11,689,442 (7th)
Nicknames:
The Buckeye State
The Birthplace of Aviation
The Heart of It All

City Guides:

Akron
Cincinnati
Cleveland
Columbus
Dayton
Toledo

OKLAHOMA (OK)

Capital: Oklahoma City
Statehood: November 16, 1907 (46th)
Population: 3,943,079 (28th)
Nicknames:
Native America
The Land of the Red Man
The Sooner State

City Guides:

Broken Arrow
Edmond
Lawton
Norman
Oklahoma City
Tulsa

OREGON (OR)

Capital: Salem
Statehood: February 14, 1859 (33rd)
Population: 4,190,713 (27th)
Nicknames:
The Beaver State
The Webfoot State
The Sunset State

City Guides:

Beaverton
Eugene
Gresham
Hillsboro
Portland
Salem

PENNSYLVANIA (PA)

Capital: Harrisburg
Statehood: December 12, 1787 (2nd)
Population: 12,807,060 (5th)
Nicknames:
The Keystone State
The Quaker State
The Oil State

City Guides:

Allentown
Erie
Philadelphia
Pittsburgh
Reading
Scranton

RHODE ISLAND (RI)

Capital: Providence
Statehood: May 29, 1790 (13th)
Population: 1,057,315 (44th)
Nicknames:
The Ocean State
Little Rhody
The Plantation State

City Guides:

Cranston
East Providence
Pawtucket
Providence
Warwick
Woonsocket

SOUTH CAROLINA (SC)

Capital: Columbia
Statehood: May 23, 1788 (8th)
Population: 5,084,127 (23rd)
Nicknames:
The Palmetto State
The Rice State
The Iodine State

City Guides:

Charleston
Columbia
Greenville
Mount Pleasant
North Charleston
Rock Hill

SOUTH DAKOTA (SD)

Capital: Pierre
Statehood: November 2, 1889 (40th)
Population: 882,235 (46th)
Nicknames:
The Mount Rushmore State
The Coyote State
The Blizzard State

City Guides:

Aberdeen
Brookings
Mitchell
Rapid City
Sioux Falls
Watertown