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Car insurance rates vary by state - find out which states pay the highest and lowest rates on average
Average Auto Insurance Rates By State
The average cost of car insurance varies greatly from one state to another. In this article, our group of guides outline average car insurance rates by state and show you the cheapest providers in each state. Our team has also identified the best car insurance companies to help you compare options and find the best coverage for your needs.
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That's why our auto insurance team is committed to providing you with reliable information to help you make the best car insurance decision. Our researchers, writers and editors are dedicated to researching and analyzing customer feedback and insights so you can choose with confidence.
Before breaking down average car insurance costs by state, let's explain some basic types of coverage. Most states have minimum coverage requirements that include some combination of bodily injury liability and property damage liability. These types of insurance can help pay for other drivers' medical bills and repair other people's property from accidents. Some states also require uninsured motorist, personal injury protection (PIP) or medical payments coverage (MedPay).
A comprehensive car insurance policy includes accident insurance and comprehensive insurance in addition to liability insurance. Accident insurance pays for repairs after a car accident, while comprehensive insurance protects your car against damage caused by environmental factors such as falling tree limbs and other natural causes, theft and vandalism. If you have a car loan, the lender will require you to carry a comprehensive insurance policy.
Americans pay an average of $1,730 a year, or $144 a month, for comprehensive auto insurance, according to pricing data from Quadrant Information Services. The average price for minimum liability coverage is $635 per year, or $53 per month.
Car Insurance Costs By State
Car insurance costs depend on each state's minimum insurance requirements and laws, local risk factors, and more. varies widely depending on location. See the map below to see how average fill rates compare by country.
The table below shows average comprehensive auto insurance rates for each state and the District of Columbia. All quotes below are for a 35 year old driver with good credit and a clean driving record.
The table below shows the average local liability coverage rates for all 50 states and the District of Columbia.
The price you pay for car insurance is determined by many variables. When setting car insurance premiums, providers focus on the following questions:
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Along with these key factors, the coverage limits and deductibles you choose play an important role in determining your auto insurance rates. Providers offer many auto insurance discounts to help keep costs down. You can save money by using a telematics insurance system to combine policies, monitor your driving behavior and pay your taxes in full.
The average cost of car insurance can vary greatly from one state to another. Drivers in Michigan, Connecticut and Florida pay the highest auto coverage rates in the country. Vermont and Idaho are two of the cheapest states for comprehensive insurance policies and minimum liability insurance.
No matter where you live, the best way to find the best car insurance quote is to compare car insurance quotes from multiple providers. State Farm and Geico, two of the top-rated insurance companies, are great places to start looking for the right coverage.
State Farm's diverse local options, competitive rates, and excellent corporate reputation earn the provider an Editors' Choice award. The company offers standard auto coverage options along with several additional policies. Drive Safe & Save™ is State Farm's usage-based program that allows drivers to save up to 30% on policy renewals if they demonstrate safe driving behavior at enrollment.
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We recommend Geico because the company offers affordable rates for many driver profiles. The company also has greater geographic restrictions than its competitors. In addition to regular coverage options, Geico offers Mechanical Breakdown Insurance (MBI), which covers many of the major components in your vehicle and services such as an extended warranty.
$200 is a lot for car insurance if you pay monthly. The average national cost of auto insurance is $53 per month for minimum liability coverage and $144 per month for a comprehensive auto insurance policy. However, prices vary by location, so $200 may be close to the local price in your state.
Yes, a higher credit score results in lower car insurance rates in all states except California, Hawaii, Massachusetts, and Michigan. Your age, gender, driving record and where you live also play a role in determining the price of a car.
No, Arizona does not have the average cost of car insurance compared to other states. Drivers in the state pay an average of $1,754 per year for comprehensive auto insurance, slightly higher than the national average of $1,730 per year.
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Because our customers trust us to provide accurate and up-to-date information, we have created a comprehensive rating system to develop our ratings of the best car insurance companies. We collect data on dozens of car insurance providers to rate companies on a variety of rating factors. The final result is an overall rating for each provider, with the professionals with the most points at the top of the list.
In this article, we select companies with high overall value and price. Costs are reported using auto insurance rate calculators created by Quadrant Information Services and discount features. There's a lot that goes into determining how much you'll pay for car insurance. Your age, gender, marital status, driving experience and, perhaps most importantly, your home address are important factors. This makes it difficult to compare prices between car insurance companies without the hassle of getting accurate quotes. That's why we've crunched the numbers and created our new map for you.
The data behind our map comes from Insure.com, which provides a wealth of information on a variety of insurance products, including health, life and auto insurance. They worked with Quadrant Information Services to calculate car insurance rates for a 40-year-old man looking for comprehensive coverage on 6 different major vehicles. They average the 2018 version of America's 20 Best Cars, showing prices in 10 zip codes for each state. We plot the average annual premium as a heat map, giving you an easy and quick view of the states and regions with the best (and worst) rates at a glance.
The good news? There are several clusters of states with cheap insurance rates. Across the Northeast, Vermont ranks among the lowest in the nation at $932. There's also a disparity among states in the Midwest, with affordability numbers ranging from Pennsylvania ($1,130) to Nebraska ($1,214). Oregon ($1,250), Idaho ($989) and Utah ($1,131) also appear to be attractive markets for drivers.
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Moving up the cost range, 19 states are shaded, indicating the average to high cost range of car insurance. One of the most interesting states in this group is New York, where average rates include rates for New York City and the suburbs. Average insurance rates in the metro area are significantly higher at $1,361.
There are also 9 states at the top end of the spectrum, which is defined as $1,600 or more, or about $133 per month. Several explanations come to mind as to why insurance is so expensive in these states. Insurance provision is regulated at the state level. For example, Michigan is the most expensive in the nation at $2,239, more than $1,000 more than neighboring Ohio. Part of the explanation is why the state has to do with no-fault insurance policies. This allows people to claim insurance money from the company regardless of who was at fault for the accident, and according to the Insurance Information Center, Florida and Michigan are two no-fault states that make it easier to collect money from car insurance. companies.
It's no surprise to see California climb the charts as one of the most populous and well-governed states in the country. Los Angeles has the worst poverty rate in America. A group of pink and red states, from Louisiana ($2,126) to Georgia ($1,668) and Florida ($2,050), are also very reasonable. Each has large metro areas affected by the storm. Mississippi ($1,410) and Alabama ($1,235) have no large cities. Connecticut ($1,831) and Rhode Island ($1,852) top the chart as New York City's wealthiest destinations, not to mention that winters in the Northeast can be especially harsh on drivers.
Insurance companies pay a lot of attention to location when setting rates. Even moving to a new area
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