Car Insurance Prices by State ,U.S.

car insurance
car insurance

Each state has its own auto insurance laws, and this is one of the reasons why auto insurance rates vary widely. Another reason is that your location is the most important factor for which car insurance companies determine rates.
Car insurers assign different risk levels to postcodes based on the frequency of theft, collisions and vandalism to assess the likelihood of such incidents in an area. This is used as the base rate from which insurance companies calculate your premium.
Other pricing factors such as your driving experience, the type of car you drive, the coverage you want and your age are added to the equation.

Key Highlights For Car Insurance

  • Ohio, Maine and Idaho are the cheapest states on average for car insurance. Florida,
  • Louisiana and Delaware have the most expensive average car insurance rates in the United States.
  • Stolen Car, Fraudulent Claims, No-Fault Law and Vandalism Factors That Can Increase Your State’s Rates.

Average car insurance prices by state

Truewebstories.in collected car insurance data for each state to see how much you could pay for car insurance on average in 2022. The editors added information about which states offer the cheapest car insurance on average and which states require the most expensive car insurance. car insurance on average.
The national average annual cost of comprehensive coverage is $1,682 per year in 2022, but your state laws and your driver and vehicle profile may change prices.
Data methodology is based on a 40 year old male driver with a clean record (no recent moving violations/tickets), requires full insurance, has a good insurance score, and drives approximately 12 miles.
The editors’ findings may surprise you. Some of the states with the lowest average annual car insurance premiums are also states with the highest average cost of living. And some of the nation’s smallest and least populated states are among the top 10 states with the highest average auto insurance premiums.

Car Insurance
Car Insurance

Avrage Insurance Rates By Diffrent States

StateAvg RateHighest RateLowest Rate
Florida$2,560$7,910$1,162
Louisiana$2,546$5,958$1,050
Delaware$2,137$7,679$973
Michigan$2,133$16,397$847
California$2,115$5,744$950
Kentucky$2,105$6,108$972
Missouri$2,104$10,332$736
Nevada$2,023$7,072$688
New York$2,020$15,851$468
Nebraska$2,018$8,922$802
Colorado$1,940$5,566$733
New Jersey$1,901$5,029$887
South Carolina$1,894$6,425$1,037
Texas$1,875$4,722$841
Washington D.C.$1,858$3,830$862
Rhode Island$1,845$4,510$778
Oklahoma$1,797$3,629$880
Connecticut$1,750$7,636$737
Wyoming$1,736$2,950$808
Montana$1,692$3,340$789
Georgia$1,647$3,690$843
Maryland$1,640$4,810$707
Arizona$1,617$4,235$799
West Virginia$1,610$3,088$733
Mississippi$1,606$2,984$821
Arkansas$1,597$3,830$874
Kansas$1,594$3,523$830
South Dakota$1,581$3,397$838
Illinois$1,578$10,121$645
Alabama$1,542$2,770$847
Massachusetts$1,538$4,414$495
New Mexico$1,505$3,155$819
Wisconsin$1,499$7,358$505
Minnesota$1,493$3,545$791
Utah$1,469$3,048$665
Pennsylvania$1,445$7,370$636
North Dakota$1,419$3,184$614
Tennessee$1,373$3,550$743
Washington$1,371$4,125$673
North Carolina$1,368$2,961$689
Alaska$1,359$2,546$812
Iowa$1,321$4,174$731
Virginia$1,321$4,189$629
New Hampshire$1,307$5,129$660
Hawaii$1,306$1,833$879
Indiana$1,256$3,782$521
Oregon$1,244$2,276$681
Vermont$1,158$1,978$689
Idaho$1,121$2,051$573
Maine$1,116$2,542$619
Ohio$1,023$2,024$516
Average car insurance prices by state in 2023, from highest to lowest

Which countries have the most expensive car insurance?

Based on our research, here is a list of the states with the most expensive average annual car insurance premiums:

  • Florida: $2,560
  • Louisiana: $2,546
  • Delaware: $2,137
  • Michigan: $2,133
  • California: $2,115
  • Kentucky: $2,105
  • Missouri: $2,104
  • Nevada: $2,023
  • New York: $2,020
  • Nebraska: $2,018

Other states with high auto insurance rates include Colorado, New Jersey, South Carolina, Texas, and Washington, D.C.

Research reveals the states where homeowners actually pay the highest possible rate (not the average), even though you’ll pay less for insurance in those states on average:

  • मिशिगन: $16,397
  • न्यूयॉर्क: $15,851
  • मिसौरी: $10,332
  • इलिनॉय: $10,121
  • नेब्रास्का: $8,922

Geoff Cudd, a consumer advocate and owner of Philadelphia-based FindTheBestCarPrice.com, says he’s not surprised by the rankings.

Geoff Cudd
Geoff Cudd

Geoff Cudd

Philadelphia-based Consumer Advocate & Owner of FindTheBestCarPrice.com

“In places like Florida and Louisiana, hurricanes are quite common. In Michigan, Missouri and Nebraska, snow and hail can cause serious damage that insurance companies have to pay for. But New York, California and Delaware are densely populated and have a large number of people. number of cars on the road, making accidents inevitable, so state leaders are left with higher premiums and higher prices,” says Cudd.

Mark Friedlander, Florida St. director of corporate communications at the Insurance Information Institute in Johns, agrees

“Florida drivers pay some of the highest average premiums in the U.S. due to a variety of factors,” he says. “These include the effects of severe weather on the roads, heavy interstate traffic caused by residents and millions of annual visitors, congestion in major metro areas, the state’s no-fault insurance law and the fact that Florida has one of the highest .uninsured motorist rates in the US at 20. %.

Which states have the cheapest car insurance?

Conversely, here are the states where you’ll pay the least on average for car insurance in 2022:

  • Ohio: $1,023
  • Maine: $1,116
  • Idaho: $1,121
  • Vermont: $1,158
  • Oregon: $1,244
  • Indiana: $1,256
  • Hawaii: $1,306
  • New Hampshire: $1,307
  • Virginia: $1,321
  • Iowa: $1,321

The 15 least expensive states are Alaska, North Carolina, Washington, Tennessee and North Dakota.

Get Small Bussines Insurance Guide Step By Step

You’ll find the cheapest car insurance (lowest overall rates, not the lowest average) in these states, although you’ll pay more on average:

  • New York: $468
  • Massachusetts: $495
  • Wisconsin: $505
  • Ohio: $516
  • Indiana: $521

“Some of these states have milder weather than others and many are rural. That usually means fewer accidents and less weather damage, which means less money for auto insurance companies,” he says.

Lauren McKenzie

Lauren McKenzie

Insurance broker at Learnandserve.org powered by A Plus Insurance

“States with the lowest average car insurance rates may have smaller populations, which leads to fewer car accidents and less money paid out by insurance companies, which leads to lower premiums,” says Lauren McKenzie.

How do auto insurance rates vary by state?

Each state has different insurance requirements that drivers must meet to be road legal, so some states may charge more for insurance than others. Some states require personal injury or medical payments, but others do not.

“For example, South Carolina requires drivers to have uninsured/underinsured motorist bodily injury and property damage coverage as a minimum requirement for their auto insurance, while many states offer but do not require this coverage,” he says. “This additional insurance comes with a price and increases your total payment.”

Where you live is a determining factor in the cost of car insurance, and the cost of living in your state can affect insurance rates.

Friedlander says “Populated drivers in Idaho and North Dakota pay much less than drivers in populous states California, Florida and New York!”

But it is not that in your state as well, insurer companies set different insurance rates for each city and zip code, because in each city there is theft, accident probability, severity, and the amount of traffic.
Simply put, if you live in a large metro city like Los Angeles or Chicago, you may have to pay different premiums based on different zip codes, but in general, city drivers are the same. Rural drivers of the state pay higher insurance premiums than drivers.
McKenzie says that if you live in a more populated area, there are more criminal activities like theft, and there is a large number of accidents, then in such a situation you will have to pay more money for insurance!

2022 auto insurance rates in each state by coverage level

StateFull Coverage (100/300/100)Liability OnlyState MinimumNon-Owner
Florida$2,560$1,586$908$759
Louisiana$2,546$1,260$726$366
Delaware$2,137$999$821$720
Michigan$2,133$755$711$574
California$2,115$864$582$323
Kentucky$2,105$927$717$522
Missouri$2,104$586$525$315
Nevada$2,023$1,009$683$414
New York$2,020$960$875$578
Nebraska$2,018$383$350$241
Colorado$1,940$726$467$333
New Jersey$1,901$1,120$989$993
South Carolina$1,894$793$628$435
Texas$1,875$659$520$408
Washington D.C.$1,858$663$577$470
Rhode Island$1,845$782$648$573
Oklahoma$1,797$545$352$218
Connecticut$1,750$849$773$509
Wyoming$1,736$331$293$216
Montana$1,692$525$389$298
Georgia$1,647$736$567$373
Maryland$1,640$648$607$355
Arizona$1,617$697$494$386
West Virginia$1,610$530$474$293
Mississippi$1,606$583$434$350
Arkansas$1,597$510$422$232
Kansas$1,594$412$389$280
South Dakota$1,581$289$267$170
Illinois$1,578$530$484$385
Alabama$1,542$585$420$364
Massachusetts$1,538$660$523$421
New Mexico$1,505$546$376$303
Wisconsin$1,499$419$375$248
Minnesota$1,493$511$479$257
Utah$1,469$645$526$436
Pennsylvania$1,445$501$398$337
North Dakota$1,419$353$340$220
Tennessee$1,373$445$368$300
Washington$1,371$664$505$389
North Carolina$1,368$435$396$926
Alaska$1,359$414$336$233
Iowa$1,321$318$263$193
Virginia$1,321$489$469$336
New Hampshire$1,307$441$411$300
Hawaii$1,306$519$389$407
Indiana$1,256$442$384$263
Oregon$1,244$594$551$483
Vermont$1,158$334$306$292
Idaho$1,121$386$326$190
Maine$1,116$335$330$235
Ohio$1,023$365$308$230
insurance rates in each state

Top 5 Best Car Insurance Companies 2023

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