Auto Insurance Rates By State

auto insurance ratesWhen it comes to auto insurance, a primary factor used to determine pricing is your location. The average car insurance rate by state varies based on the legal regulations in place and the efforts insurance companies make to base their price on these differences.

For example, in no-fault states, such as Florida and Michigan, drivers often pay significantly more for insurance than drivers in other parts of the country.

Keep reading to learn about the cheapest and most expensive states for car insurance, along with everything in between.

The 10 Most Affordable States for Auto Insurance

Before jumping into the 10 most affordable states, it’s important to know what the national average is: $1,470 annually, or $122.50 per month.

  1. Maine at $896, which is 3.3% less than last year.
  2. Virginia at $918, which is 1.9% higher than last year.
  3. North Carolina at $947, which is 9.5% higher than last year.
  4. Iowa at $988, which is 2.7% higher than last year.
  5. Idaho at $1,018.
  6. Ohio at $1,032, which is 0.5% less than last year.
  7. Wisconsin at $1,070, which is up by 2.9% from last year.
  8. Vermont at $1,075, which is up by 4.7% from last year.
  9. Hawaii at $1,081, which is only 0.2% higher than last year.
  10. New Hampshire at $1,105, which is 3% higher than last year.

A general trend is that states with a lower population and with more drivers is considered “low risk” and have the cheapest auto insurance rates.

Most Expensive Auto Insurance Rates by State

Keep in mind, the national average is $1,470. Here are the 10 most expensive states for auto insurance, starting with the highest priced:

  1. Michigan at $2,693.
  2. Louisiana at $2,339.
  3. Rhode Island at $2,110.
  4. Florida at $2,059.
  5. Nevada at $1,915.
  6. Kentucky at $1,898.
  7. Delaware at $1,828.
  8. Texas at $1,827.
  9. California at $1,815.
  10. New York at $1,688.

Average Monthly Costs of Insurance Per State

Here you will find a list of all states and what you can expect to pay per month (on average) for auto insurance coverage.

  • Alabama – $73
  • Alaska – $68
  • Arizona – $69
  • Arkansas – $70
  • California – $132
  • Colorado – $72
  • Connecticut – $90
  • Delaware – $106
  • District of Columbia – $107
  • Florida – $133
  • Georgia – $103
  • Hawaii – $78
  • Idaho – $46
  • Illinois – $78
  • Indiana – $61
  • Iowa – $47
  • Kansas – $74
  • Kentucky – $59
  • Louisiana – $152
  • Maine – $46
  • Maryland – $97
  • Massachusetts – $76
  • Michigan – $133
  • Minnesota – $66
  • Mississippi – $60
  • Missouri – $98
  • Montana – $52
  • Nebraska – $71
  • Nevada – $96
  • New Hampshire – $62
  • New Jersey – $122
  • New Mexico – $79
  • New York – $82
  • North Carolina – $43
  • North Dakota – $36
  • Ohio – $42
  • Oklahoma – $94
  • Oregon – $80
  • Pennsylvania – $86
  • Rhode Island – $129
  • South Carolina – $76
  • South Dakota – $58
  • Tennessee – $71
  • Texas – $87
  • Utah – $59
  • Vermont – $55
  • Virginia – $65
  • Washington – $73
  • West Virginia – $65
  • Wisconsin – $57
  • Wyoming – $70

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