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Car insurance by state

Compare car insurance policies and costs in your state.

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Roslyn McKenna
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Car insurance requirements are governed by each state, but nearly all states require drivers to carry specified minimum liability insurance. How much coverage you need and how much it cost vary widely by location.

The average price of car insurance in the US is about $1,148.83 a year, but costs vary widely by factors like your age, location, driving record, car, the coverage you choose and sometimes gender or credit score. Compare car insurance costs and requirements by state to see if what you’re paying is in line with your state’s average.

StateAverage annual car insurance rate
Alabama$1,066.92
Alaska$1,111.07
Arizona$1,181.29
Arkansas$1,097.33
California$1,194.83
Colorado$1,290.34
Connecticut$1,326.09
Delaware$1,393.70
Florida$1,520.99
Georgia$1,382.52
Hawaii$944.7
Idaho$828.32
Illinois$995.55
Indiana$864.82
Iowa$816.18
Kansas$985.34
Kentucky$1,088.73
Louisiana$1,751.37
Maine$782.72
Maryland$1,327.40
Massachusetts$1,246.08
Michigan$1,590.35
Minnesota$971.66
Mississippi$1,149.85
Missouri$1,052.86
Montana$1,025.46
Nebraska$962.79
Nevada$1,386.22
New Hampshire$882.65
New Jersey$1,500.58
New Mexico$1,102.15
New York$1,558.66
North Carolina$870.87
North Dakota$844.18
Ohio$881.91
Oklahoma$1,123.61
Oregon$1,077.22
Pennsylvania$1,100.84
Rhode Island$1,500.31
South Carolina$1,227.54
South Dakota$905.02
Tennessee$995.91
Texas$1,372.25
Utah$1,038.50
Vermont$854.27
Virginia$956.98
Washington$1,120.02
Washington, DC$1,300
West Virginia$1,096.80
Wisconsin$830.06
Wyoming$971.07

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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

StateLiability onlyFull 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

Compare insurance companies

Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
Progressive
Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Get quotes
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The Zebra
The Zebra
Yes
Yes
Yes
Yes
All 50 states
Get quotes
More Info
USAA
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
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More Info
Liberty Mutual
Liberty Mutual
Yes
Yes
RightTrack
Yes
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime.
Get quotes
More Info
Bankrate
Bankrate
Yes
Yes
Yes
Yes
All 50 states
Compare personalized rates from multiple insurance companies in one go. Plus, access a live agent for any questions along the way.
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Quinstreet - Insure.com
Quinstreet - Insure.com
Yes
Depends on provider
Depends on provider
Depends on provider
All 50 states
Get quotes
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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.

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