Auto Insurance Rates by State

Which state has the least expensive and most expensive car insurance? Find out below and then get a free customized quote.

Compare Car Insurance Rates in Your State

Average Car Insurance Cost by State

From Maine to California there are over 4 million miles of road in the US. Each state is unique in it's own way and has it's own minimum car insurance requirements. We compiled our insurance data from thousands of insurance quotes across the country. The average cost of car insurance in the United States is about $103.4 per month, but each state can vary. Below is a list of the average cost of car insurance in each state. It's important to remember that these are just estimates and many different factors can affect your rate. To get an accurate quote you can compare personalized rates here.

Top 10 Cheapest States for Car Insurance

RankStateAvg monthly rate12 month premium
1Idaho$50.44 / month$605.28 / year
2North Carolina$56.73 / month$680.76 / year
3Iowa$58.02 / month$696.24 / year
4Tennessee$59.10 / month$709.20 / year
5Ohio$59.77 / month$717.24 / year
6Wisconsin$65.15 / month$781.80 / year
7Nebraska$66.93 / month$803.16 / year
8North Dakota$69.04 / month$828.48 / year
9Mississippi$69.36 / month$832.32 / year
10Maine$69.80 / month$837.60 / year

Top 10 Most Expensive States for Car Insurance

RankStateAvg monthly rate12 month premium
1New York$207.75 / month$2,493.00 / year
2Florida$203.87 / month$2,446.44 / year
3Louisiana$176.69 / month$2,120.28 / year
4New Jersey$169.75 / month$2,037.00 / year
5District of Columbia$169.03 / month$2,028.36 / year
6Michigan$167.09 / month$2,005.08 / year
7California$154.89 / month$1,858.68 / year
8Connecticut$140.53 / month$1,686.36 / year
9Pennsylvania$137.55 / month$1,650.60 / year
10Maryland$129.69 / month$1,556.28 / year

Auto Insurance Rates by State

Learn more about the driving requirements in your state, how to find the best carrier and compare the lowest rates for your individual coverage needs.

The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.