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Auto Insurance Rates by State
Which state has the least expensive and most expensive car insurance? Find out below and then get a free customized quote.
Compare Car Insurance Rates in Your State
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Average Car Insurance Cost by State
From Maine to California there are over 4 million miles of road in the US. Each state is unique in it's own way and has it's own minimum car insurance requirements. We compiled our insurance data from thousands of insurance quotes across the country. The average cost of car insurance in the United States is about $154.6 per month, but each state can vary. Below is a list of the average cost of car insurance in each state. It's important to remember that these are just estimates and many different factors can affect your rate. To get an accurate quote you can compare personalized rates here.
Top 10 Cheapest States for Car Insurance
| Rank | State | Avg monthly rate | 12 month premium |
|---|---|---|---|
| 1 | Idaho | $82.40 / month | $988.80 / year |
| 2 | Maine | $100.47 / month | $1,205.64 / year |
| 3 | Vermont | $102.64 / month | $1,231.68 / year |
| 4 | Indiana | $105.11 / month | $1,261.32 / year |
| 5 | Ohio | $105.38 / month | $1,264.56 / year |
| 6 | Washington | $107.77 / month | $1,293.24 / year |
| 7 | North Dakota | $108.68 / month | $1,304.16 / year |
| 8 | Iowa | $110.15 / month | $1,321.80 / year |
| 9 | Arkansas | $118.28 / month | $1,419.36 / year |
| 10 | Illinois | $118.58 / month | $1,422.96 / year |
Top 10 Most Expensive States for Car Insurance
| Rank | State | Avg monthly rate | 12 month premium |
|---|---|---|---|
| 1 | Florida | $329.60 / month | $3,955.20 / year |
| 2 | Louisiana | $273.98 / month | $3,287.76 / year |
| 3 | Nevada | $259.85 / month | $3,118.20 / year |
| 4 | New York | $231.59 / month | $2,779.08 / year |
| 5 | Connecticut | $222.32 / month | $2,667.84 / year |
| 6 | District of Columbia | $211.52 / month | $2,538.24 / year |
| 7 | New Jersey | $195.69 / month | $2,348.28 / year |
| 8 | Wyoming | $189.27 / month | $2,271.24 / year |
| 9 | Georgia | $188.63 / month | $2,263.56 / year |
| 10 | Texas | $180.05 / month | $2,160.60 / year |
Auto Insurance Rates by State
Learn more about the driving requirements in your state, how to find the best carrier and compare the lowest rates for your individual coverage needs.
Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
