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Car insurance by state
Compare car insurance policies and costs in your state
Car insurance requirements are governed by each state. Nearly all states require registered drivers to carry specified minimum liability insurance. And if you’re financing or leasing your car, you could be required to buy additional collision and comprehensive coverage as part of your finance agreement.
Find the best car insurance in your state
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- Washington, DC
- West Virginia
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Car insurance rates by state
While the average price of car insurance is about $1,200, that number changes drastically based on your location.
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 annually 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 therefore higher car accident risks.
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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.
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