Compare Car Insurance Rates by State [2023]
ID has the cheapest car insurance rates at $56.66/mo or $680/yr. LA has the most expensive car insurance rates at $117.08/mo or $1,405/yr. Your state’s car insurance minimum requirements and laws will have a major affect on your rates.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
UPDATED: Jun 11, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 11, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Location Matters
When it comes to car insurance, no question can be fully answered until the where is determined. It’s shocking how much car insurance prices and laws vary from state to state. The states that make up the United States of America are far from united when it comes to how they govern their drivers.
For this very reason, our team of researchers created complete guides on each state and even major cities within them (links below).
These essential area-specific guides are packed full of everything from the minimum coverage drivers are required to carry to how long commuters are stuck in traffic on their way to work.
In our comprehensive guides will find car insurance rates by zip code, provider, and how they vary by unique driver profiles. You can even find out what you would be expected to pay after one ticket or accident in that specific location.
Rates by State
Before you are wowed by one of our state or city guides, take a look at the two charts below to see how drastically insurance prices vary across America. Check out the ten least and most expensive states for car insurance with their average rates broken down by type of coverage.
You think that’s interesting? Just wait until you scroll through one of our guides.
The 10 States with the Cheapest Car Insurance
| STATE | COLLISION | COMPREHENSIVE | LIABILITY | FULL COVERAGE |
|---|---|---|---|---|
| Idaho | $219 | $117 | $344 | $680 |
| Iowa | $220 | $184 | $299 | $702 |
| Maine | $260 | $105 | $339 | $704 |
| Wisconsin | $226 | $137 | $374 | $737 |
| Indiana | $250 | $122 | $383 | $755 |
| Vermont | $295 | $125 | $343 | $764 |
| South Dakota | $209 | $258 | $300 | $767 |
| North Dakota | $244 | $231 | $298 | $773 |
| Ohio | $270 | $122 | $397 | $789 |
| North Carolina | $294 | $136 | $359 | $789 |
Even when just looking at the ten cheapest states for auto insurance, Maine and South Dakota’s rates for comprehensive vary by over $150. And, while Idaho has the cheapest full coverage in the U.S., other states have cheaper prices in the specific lines of coverage.
Car insurance prices are sneaky like that. You have to pay close attention to all the minor details—they sure add up fast.
The 10 States with the Most Expensive Car Insurance
| STATE | COLLISION | COMPREHENSIVE | LIABILITY | FULL COVERAGE |
|---|---|---|---|---|
| Maryland | $354 | $153 | $610 | $1,116 |
| Massachusetts | $388 | $135 | $606 | $1,129 |
| Connecticut | $369 | $132 | $651 | $1,151 |
| Delaware | $319 | $122 | $799 | $1,241 |
| Florida | $283 | $117 | $858 | $1,257 |
| Rhode Island | $412 | $132 | $760 | $1,304 |
| New York | $385 | $171 | $805 | $1,361 |
| Michigan | $414 | $155 | $795 | $1,364 |
| New Jersey | $382 | $131 | $870 | $1,383 |
| Louisiana | $414 | $215 | $776 | $1,405 |
You’d be hard-pressed to find an insurance provider in any of the above ten states that will offer you full auto coverage for under one thousand dollars a year. If you live in one of these most expensive states, you can expect to pay $800 or more for liability coverage alone.
Again, you’ll find quite the variance in rates . . . an average $131 difference between collision coverage in Florida and its neighbor, Louisiana. And, a $264 price difference on liability coverage between New Jersey and Massachusetts.
When comparing car insurance rates across the country, you’ll quickly come to an alarming realization: residents in the cheapest states are paying over $700 less each year for their car insurance coverage than residents in the most expensive states.
Dig Deeper
Comparing average car insurance rates across the U.S. is helpful, especially for those who are moving or travelling out of state. But, you really need to know the insurance laws and rates where you live, work, and spend the most time on the roads.
Below you will find links to our comprehensive guides for the top cities in every state.
These auto insurance guides are an indispensable source for all things relating to traffic, driving, and of course, insurance in the specific cities where you will be driving.
We don’t sell car insurance, but we can help you find the best providers out there who do. We’re a team of experts who work daily to bring you the most up-to-date crash stats, auto insurance rates, and much more. We’re here to make sure you have the knowledge you need to protect your investments and family each time you brave the open road.
Follow the links below to get your insurance questions answered for the specific states and cities where you and your loved ones will be driving.
Frequently Asked Questions
How are car insurance rates determined?
Car insurance rates are determined by several factors, including the driver’s age, driving record, type of vehicle, location, coverage options, and insurance company policies. Each state also has its own regulations and requirements that can influence rates.
Are car insurance rates the same in every state?
No, car insurance rates vary from state to state. Each state has its own unique factors that affect insurance rates, such as the number of accidents and claims filed, population density, and local laws.
Which states have the highest car insurance rates?
While rates can change over time, historically, states like Michigan, Louisiana, and Florida have had higher car insurance rates compared to other states. These rates can be influenced by factors like high population density, a higher number of uninsured drivers, and the prevalence of auto accidents.
Which states have the lowest car insurance rates?
States such as Maine, Vermont, and Ohio have often had lower car insurance rates compared to other states. These states typically have lower population density, fewer accidents, and fewer instances of insurance fraud.
Can I save money by moving to a state with lower car insurance rates?
While moving to a state with lower car insurance rates may help reduce your premium, it’s important to consider various factors before making a decision. The cost of living, job opportunities, climate, and other lifestyle factors should also be taken into account.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.