State Car Insurance Guides
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: Nov 10, 2022
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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 10, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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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.
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
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
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
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
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 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
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:
Austin
Dallas
El Paso
Fort Worth
Houston
San Antonio
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
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.