Sign up & start saving!
Get our weekly newsletter for the latest in money news, credit card offers + more ways to save
Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
Car insurance by state
Compare car insurance policies and costs in your state.
Guides
Vehicle Guides
Need Financing?
Car insurance requirements are governed by each state. Nearly all states require registered drivers to carry specified minimum liability insurance, but how much coverage you need and how much it will cost vary widely by location, down to your state, city, ZIP code and even neighborhood. Compare car insurance costs and requirements by state to make sure you’re getting the best deal.
Find the best car insurance in your state
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Compare insurance in your city
Get rates, requirements and driving tips with car insurance guides by city.
Compare insurance providers
Car insurance rates by state
While the average price of car insurance in the US is about $1,200, that number changes drastically based on your location. This is due to a number of factors, including the differences in each state’s coverage minimums.
| State | Average annual car insurance rate |
|---|---|
| Alabama | $1,400 |
| Alaska | $1,560 |
| Arizona | $1,300 |
| Arkansas | $1,400 |
| California | $1,698 |
| Colorado | $1,450 |
| Connecticut | $1,100 |
| Delaware | $1,100 |
| Florida | $1,800 |
| Georgia | $1,450 |
| Hawaii | $1,350 |
| Idaho | $1,410 |
| Illinois | $1,250 |
| Indiana | $1,112 |
| Iowa | $1,100 |
| Kansas | $1,250 |
| Kentucky | $1,400 |
| Louisiana | $1,300 |
| Maine | $1,300 |
| Maryland | $1,500 |
| Massachusetts | $1,300 |
| Michigan | $2,200 |
| Minnesota | $1,300 |
| Mississippi | $1,200 |
| Missouri | $1,300 |
| Montana | $1,200 |
| Nebraska | $1,100 |
| Nevada | $1,400 |
| New Hampshire | $1,200 |
| New Jersey | $1,400 |
| New Mexico | $1,200 |
| New York | $1,300 |
| North Carolina | $1,300 |
| North Dakota | $1,350 |
| Ohio | $1,000 |
| Oklahoma | $1,500 |
| Oregon | $1,300 |
| Pennsylvania | $1,300 |
| Rhode Island | $1,800 |
| South Carolina | $1,300 |
| South Dakota | $1,050 |
| Tennessee | $1,300 |
| Texas | $1,500 |
| Utah | $1,300 |
| Vermont | $1,300 |
| Virginia | $1,250 |
| Washington | $1,200 |
| Washington, DC | $1,300 |
| West Virginia | $1,350 |
| Wisconsin | $1,300 |
| Wyoming | $1,500 |
What are the cheapest states for car insurance?
Midwestern states often have the cheapest rates, including Ohio, South Dakota, Iowa and Nebraska. Expect annual rates close to $1,000, depending on other driver factors. These states don’t have a lot of big cities, which means lower rates of car accidents.
What are the most expensive states?
Michigan consistently tops the list for priciest auto insurance at over $2,000 a year on average. That’s because the state’s no-fault laws are unique, and each driver’s policy pays for their damages, regardless of fault in an accident.
Other pricey states include Florida and California, which have high populations and, as a result, high risks for car accidents.
Car insurance coverage by state
Besides location, your coverage is another big factor for how much you’ll pay for car insurance.
Liability only is the cheapest type of policy, covering your state’s bare minimums required. These include bodily injury and property damage liability. Full coverage policies include liability plus collision and comprehensive coverage, costing twice as much as liability-only policies. But you’ll only have to pay your deductible if your car gets damaged — the insurance company covers the rest of the repair costs.
Cheapest liability only vs full coverage rates
| State | Liability only | Full coverage |
|---|---|---|
| Arkansas | $48 | $120 |
| California | $52 | $137 |
| Florida | $104 | $196 |
| Georgia | $60 | $127 |
| Iowa | $26 | $80 |
| Louisiana | $83 | $232 |
| Maine | $36 | $80 |
| Michigan | $224 | $332 |
| New Hampshire | $41 | $87 |
| New Jersey | $91 | $172 |
| North Carolina | $44 | $85 |
| Rhode Island | $81 | $168 |
| Texas | $69 | $204 |
Which states don’t require car insurance?
You’ll have to take financial responsibility if you’re on the road one way or another. But if you don’t want car insurance, 32 states offer a legal alternative to car insurance. You can get self-insured auto insurance by depositing cash or posting a bond with your state, typically to the tune of several thousands of dollars. You might also have to be able to pay for the treatment and property damage of the other driver upfront.
- Alabama
- Arizona
- California
- Colorado
- Delaware
- Idaho
- Indiana
- Iowa
- Lousiana
- Maine
- Maryland
- Massachusetts
- Mississippi
- Missouri
- Montana
- Nebraska
- New Mexico
- New York
- North Carolina
- Ohio
- Oklahoma
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Wisconsin
- Wyoming
Bottom line
Your policy requirements will vary depending on where you live and how you purchased your vehicle. Compare car insurance prices, policy requirements and laws by state to find the best car insurance for you.
Get the cheapest quotes
Compare car insurance companies near you.
Your information is secure.
More guides on Finder
-
You can now pay for car insurance in Bitcoin – here’s how
You can pay for car insurance in Bitcoin, even if your insurer doesn’t accept it yet.
-
Best and worst states for women in the US
How states compare on employment, earnings, poverty, education, health and wellbeing.
-
Black unemployment rates by state
Finder analyzes which states have the highest and lowest rates of employment for Black and African Americans.
-
Most fashionable cities in the US
Is your town on fleek, c’est chic or just plain meek? Finder explores the most fashionable cities in the United States.
-
Electric vehicles in 2021: How new models, insurance rates and tax breaks affect their cost to own
See average EV insurance rates for 2021 based on Finder’s car model research, plus new models on the horizon.
-
Best and worst states for Social Security Disability approval
Finder analyzes the easiest and hardest states to get disability in America, rating the top 5 best and worst states for disability approval.
-
Compare full coverage vs. liability car insurance
Which type of car insurance policy fits your car and driving needs?
-
How much does health insurance cost?
Most working Americans pay around $1,489 in premiums each year. Compare costs now.
-
Birth rates by state
Are birth and fertility talk the elephant in the womb? Finder research looks at birth rates, fertility rates and the average age of mothers in America.
-
Car insurance for drivers 25 to 40 years old
Take advantage of the lowest minimum coverage rates by earning all the discounts you can.
Ask an Expert