Car insurance by state

Compare car insurance policies and costs in your state

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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.

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Get rates, requirements and driving tips with car insurance guides by city.

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Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Choose from a long list of discounts and coverage for almost any driver.
Geico
Optional
26%
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.
Clearcover
Optional
No
AZ, CA, IL, UT
Find basic coverage and low rates through its easy online or app-based experience.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Allstate
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.

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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.

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

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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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