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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
- 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
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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.
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.
| 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 |
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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.
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