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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. 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.

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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.

StateAverage 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

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 providers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Get quotes
More Info
Progressive
Progressive
Optional
30%
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
More Info
The AARP Auto Insurance Program from The Hartford
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Get quotes
More Info
Root
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Get quotes
More Info
Savvy
Savvy
Optional
Depends on provider
Yes
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Get quotes
More Info
Liberty Mutual
Liberty Mutual
Optional
30%
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Get quotes
More Info
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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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