State Car Insurance Rates
ID has the cheapest car insurance rates at $56.66/mo or $680/yr. LA has the most expensive car insurance rates at $117.08/mo or $1,405/yr. Your state's car insurance minimum requirements and laws will have a major affect on your rates.
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UPDATED: Jan 18, 2021
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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
STATE | COLLISION | COMPREHENSIVE | LIABILITY | FULL 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
STATE | COLLISION | COMPREHENSIVE | LIABILITY | FULL 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
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
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
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
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
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
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
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 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
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
TEXAS (TX)
Capital: Austin
Statehood: December 29, 1845 (28th)
Population: 28,701,845 (2nd)
Nicknames:
The Lone Star State
The Beef State
The Jumbo State
City Guides:
VIRGINIA (VA)
Capital: Richmond
Statehood: June 25, 1788 (10th)
Population: 8,517,685 (12th)
Nicknames:
The Old Dominion
The Mother of Presidents
The Cavalier State
City Guides:
Alexandria
Chesapeake
Newport News
Norfolk
Richmond
Virginia Beach
WASHINGTON (WA)
Capital: Olympia
Statehood: November 11, 1889 (42nd)
Population: 7,535,591 (13th)
Nicknames:
The Evergreen State
The Chinook State
The Green Tree State
City Guides:
Bellevue
Everett
Seattle
Spokane
Tacoma
Vancouver