Auto Insurance Quotes by State 2023

The location of your home may be one of the most significant elements influencing your auto insurance rates. You might discover that the average cost of auto insurance in your state differs dramatically from that in a nearby state, even in jurisdictions where ZIP codes cannot be considered for calculating premiums.

The cost of auto insurance varies significantly by state, frequently by hundreds or even thousands of dollars. This guide covers auto insurance rates by state so you can find the most affordable auto insurance near you.

What affects the average cost of car insurance by state?

Drivers must maintain specific insurance coverage levels in each state to legally operate a vehicle, which explains why insurance premiums in some jurisdictions may be higher than in others. For example, some states mandate medical payment coverage or personal injury protection (PIP), while others do not.

The cost of living in your state can affect insurance, and where you reside is important in determining how much you will pay for auto insurance.

The Difference Between ZIP Codes

However, auto insurance rates extend beyond the state in which you reside. Insurance companies base premiums on your ZIP code and even the city in which you reside.

Every city and state has a different traffic volume, accident frequency, severity, and data on theft and vandalism. But, generally, drivers in cities pay far more for auto insurance than those in rural areas within the same state.

 In other words, depending on your ZIP code and if you reside inside a huge metropolis like Los Angeles or Chicago, you pay dramatically different prices from your neighbors. Learn more about why auto insurance costs are higher in ZIP codes.

Tort States

The majority of states employ the tort system. Tort in auto insurance means that if you’re found to be at fault for an accident, you (or your insurer) will be responsible for covering the other party’s medical bills and property damage.

No-Fault States

In a no-fault system, vehicle insurance companies pay for certain damages (usually bodily injuries) regardless of who was at fault.

No Pay, No Play States

Driving without insurance is riskier in states with “no pay, no play” rules than in other states. In these states, uninsured drivers are not reimbursed for any damages, even when they are not at fault for an accident.

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What impacts auto insurance quotes in my state?

Since many variables determine premiums, auto insurance rates differ by state and company. The most common variables that affect your car insurance costs by state are:

• Road conditions
• Weather
• Number of drivers or traffic density in your city
• Cost of living as it relates to labor costs for repairs
• Percentage of uninsured drivers
• Number of claims in the region

Learn more about how insurance companies determine rates and explore auto insurance quotes by state below to get an average of what your insurance rates may be.

What is the most affordable auto insurance by state?

Check out some of the states with the cheapest auto insurance in the table below:

These states offer the very best prices on auto insurance, although your rates will vary based on your driving history. Researching where you live, including specifics like your ZIP code, can help you find the best car insurance rates near you.

 Which states have the highest rates for auto insurance?

Here is a ranking of the most expensive auto insurance states based on our research:

The states of Colorado, South Carolina, and Washington, D.C. also have high auto insurance costs. If you live in these states, we recommend comparing auto insurance quotes below to find the most affordable car insurance near you.

Average Auto Insurance Cost by State

The national average cost of full coverage auto insurance in the U.S. is around $90 per month, or $1,070 a year. Young drivers and those with tickets or accidents in their driving history will pay much higher rates. You’ll also pay more for car insurance if you live in a big city or a state prone to national disasters.

Find your state in the sections below to determine how much insurance you need and compare auto insurance rates.

Average Auto Insurance Rates in Alabama

Although Alabama has its fair share of violent crime and erratic weather, the state’s cheap cost of living helps keep the cost of auto insurance in check. As a result, residents pay much less than the national average.

Alabama auto insurance costs closer to $83 monthly for full coverage with a clean record or $103 per month with a ticket.

Average Auto Insurance Rates in Alaska

When compared to other American drivers, Alaskan drivers pay somewhat less on average for their auto insurance. Although Alaska’s transportation infrastructure is not very good, the state’s low cost of living and lower population density combine to keep auto insurance rates down.

At around $80 a month, Alaska auto insurance premiums are less expensive than the national average for full coverage.

Average Auto Insurance Rates in Arizona

Full coverage auto insurance costs around $88 per month in Arizona, right on par with the national average.

The state of Arizona has medium roads and an average cost of living. These elements collectively are probably responsible for Arizona auto insurance rates being only slightly lower than the national average.

Average Auto Insurance Rates in Arkansas

The average cost of full coverage auto insurance in Arkansas is $92 per month. Even though the state is prone to natural disasters like strong storms and flooding, it also has a relatively low population density, which can help balance typical vehicle insurance prices. 

Average Auto Insurance Rates in California

Full coverage California auto insurance typically costs $110 per month, around $20 more than the national average.

Due to California’s exorbitant cost of living and subpar infrastructure, the state may have high insurance costs. In addition, California is home to two of the top five most congested large urban areas, with commuters on average spending more than 100 extra hours in traffic on average around Los Angeles and San Francisco.

Average Auto Insurance Rates in Colorado 

The average monthly cost of full coverage auto insurance in Colorado is $89. The state’s high incidence of uninsured drivers, bad weather, and bad road conditions may be contributing factors to the higher insurance premiums in the area.

Average Auto Insurance Rates in Connecticut

Connecticut auto insurance offers full coverage at an average monthly cost of $96. The low prevalence of crime in Connecticut, which includes car thefts, might lower rates, but the high MSRP price of the other cars on the roads in your city could raise rates.

Average Auto Insurance Rates in Delaware

The average monthly cost of full coverage auto insurance in Delaware is $127. These above-average rates may be at least in part attributable to the state’s poor roadway system and dense population.

Average Auto Insurance Rates in Florida

Florida has one of the highest average auto insurance prices in the nation due to its no-fault insurance laws. Drivers pay around $115 if they have a good driving record.

There are many other potential causes of high premiums in this area. Florida auto insurance is quite vulnerable to natural disasters, especially hurricanes, but it also has a dense population, which could increase the number of traffic accidents.

Average Auto Insurance Rates in Georgia 

At $104 per month, Georgia’s typical full-coverage auto insurance prices are roughly comparable to the national average.

Georgia has a high fatal accident rate and endures frequent natural catastrophes like tornadoes and hurricanes. However, it also has a highly regarded roadway infrastructure system and a relatively low population density that keeps rates lower.

Average Auto Insurance Rates in Hawaii

Despite Hawaii’s high cost of living, Hawaii auto insurance is not too expensive. The Aloha State offers full coverage auto insurance at a monthly rate of $65.

Honolulu, Hawaii is renowned for having a successful public transportation system that allows locals to travel without using their cars. According to the Federal Highway Administration, Hawaii also has fewer licensed drivers than the majority of other states, which could cut auto insurance costs. 

Average Auto Insurance Rates in Idaho 

The average auto insurance rates in Idaho are among the lowest in the nation. Drivers pay closer to $60 per month for full coverage, and rates only jump to $80 after a traffic ticket. Find cheap Idaho auto insurance.

Due to the state’s low population density, a low number of licensed drivers, and top-notch infrastructure, Idaho’s car insurance prices may continue to stay cheap. Drivers in Idaho spend the least amount of time in metropolitan traffic, which may be a factor in the state’s affordable auto insurance quotes.

Average Auto Insurance Rates in Illinois 

Illinois drivers can save money on car insurance due to the state’s low fatal accident rate and population density, as it ranks in the middle of the pack in terms of cost of living and the quality of its roadway infrastructure.

Compared to the national average, Illinois drivers pay much less, around $72 per month.

However, Drivers in Chicago will pay higher rates than those in other cities. Shop here to find affordable auto insurance in Chicago.

Average Auto Insurance Rates in Indiana 

Full coverage Indiana auto insurance costs $73 per month, right around the national average. So despite being one of the top 15 states with the highest percentage of uninsured drivers, Indiana probably has low average rates in part because of its sparsely populated geography.

Average Auto Insurance Rates in Iowa 

Compared to the national average, drivers in Iowa pay $20-$30 less per month for full coverage insurance.

Cheap Iowa auto insurance rates may be attributed to the low cost of living and low population density. Additionally, compared to drivers in most other states, Iowans commute in less traffic.

Average Auto Insurance Rates in Kansas

Kansas residents spend around $88 per month for Kansas auto insurance, close to the national average. The fact that the state’s population density, accident fatality rate, and the number of licensed drivers are all in the middle of the pack may explain why the average cost of auto insurance in the state is only slightly less than the national average.

Average Auto Insurance Rates in Kentucky 

Residents typically pay around $25 more monthly than Americans do for full coverage Kentucky auto insurance. Due to a high proportion of uninsured drivers and high mortality rates on state roads, the Bluegrass State has some of the highest auto insurance rates in the country.

Average Auto Insurance Rates in Louisiana

The average monthly auto insurance rates in Louisiana are $136 for full coverage with a clean record. Drivers with tickets and accidents pay over $150 per month.

Due to the state’s high accident mortality rate, poor roadway infrastructure, and unpredictable weather patterns, auto insurance is among the most expensive in Louisiana.

Average Auto Insurance Rates in Maine 

In comparison to the national average, full coverage auto insurance in Maine costs about $30 less per month. The Pine Tree State’s low population density, low rate of traffic fatalities, a small number of uninsured drivers, and somewhat low cost of living may all contribute to the state’s low cost of auto insurance.

On average, Maine drivers pay around $64 monthly with a clean driving record and $77 with one speeding ticket.

Average Auto Insurance Rates in Maryland 

In general, Maryland drivers pay around $100 for Maryland auto insurance, about the same as other Americans. Despite having a subpar highway system and fewer fatal accidents, Maryland has a fairly normal percentage of uninsured drivers.

Average Auto Insurance Rates in Massachusetts

Despite the high cost of living and structurally poor roadway infrastructure, full coverage auto insurance costs in the Bay State are approximately $10 less monthly than the national average.

These lower rates may be attributable to Boston’s dependable public transportation system and the fact that Massachusetts has the nation’s second-lowest rate of uninsured drivers. Compare cheap Massachusetts auto insurance.

Average Auto Insurance Rates in Michigan 

You might have to fork over a hefty sum for auto insurance in the Great Lakes State. Compared to other U.S. drivers, Michigan drivers typically spend $100 more per month for full coverage auto insurance.

Due to the state’s significant percentage of uninsured drivers, monthly Michigan auto insurance rates may be the highest in the country at nearly $200. In an attempt to lower insurance costs, the state now prohibits companies from using credit scores and ZIP codes for determining prices and has lowered its steep limits for medical payments coverage.

Average Auto Insurance Rates in Minnesota

Compared to the national average, Minnesota drivers typically pay around $98 for Minnesota auto insurance. In terms of infrastructural quality, population density, cost of living, and the number of licensed drivers, Minnesota is ranked middle of the pack.

Average Auto Insurance Rates in Mississippi

Average Mississippi motorists pay $10-$15 less for full coverage Mississippi auto insurance than the national average, but premiums may be higher in congested cities.

Mississippi has the largest number of uninsured drivers of any state at nearly 30%, and it has the highest rate of fatal car accidents per 100,000 residents. Despite these other variables, the relatively low cost of living may aid in lower rates.

Average Auto Insurance Rates in Missouri

The average annual full-coverage auto insurance rates in Missouri are $81, a little less expensive than the national average. Despite having a high proportion of auto thefts and uninsured drivers, the state has a well-regarded highway network and a relatively low population density.

Average Auto Insurance Rates in Montana 

Residents of Montana typically spend $10 less per month for full coverage Montana auto insurance than the national average. Due to its low population density and low percentage of uninsured drivers, Montana may have lower rates than the national average.

Average Auto Insurance Rates in Nebraska

Due to the state’s low cost of living and sparse population, Nebraskan drivers pay around $82 per month for full coverage auto insurance, around $10 less than Americans as a whole.

Average Auto Insurance Rates in Nevada

Compared to the typical American driver, Nevadans spend about the same — around $89 per month for a full coverage Nevada auto insurance policy. The high prevalence of auto theft in Nevada, particularly in the Las Vegas area, may be a contributing factor if you pay higher rates.

Average Auto Insurance Rates in New Hampshire

Car insurance is often far cheaper for New Hampshire residents than it is for the average American. Despite not having a mandatory minimum level of auto insurance, the average cost of full coverage auto insurance in New Hampshire is $68 per month.

These low average rates are probably a result of the low population density, the low vehicle theft rate, and the low fatal accident rate.

Average Auto Insurance Rates in New Jersey 

The average cost of full coverage auto insurance in New Jersey is $110 per month.

High levels of traffic congestion are a common occurrence for drivers in Garden State, particularly near Newark. However, the fact that New Jersey has the lowest percentage of uninsured drivers in the country may help to lower your average auto insurance rates.

Average Auto Insurance Rates in New Mexico

Compared to the national average, full coverage New Mexico auto insurance costs $82. New Mexico’s lower-than-average cost of automobile insurance may be due to the state’s low population density and comparably low cost of living when compared to other states.

Average Auto Insurance Rates in New York

New York drivers often pay much more for auto insurance than the average American motorist, with the highest average cost for minimal coverage in the country. The state’s high population density, over 12 million registered automobiles, and high amount of fraudulent insurance claims filed each year may all contribute to the average full coverage New York auto insurance premium of $108.

Average Auto Insurance Rates in North Carolina

Compared to the national average, North Carolinians typically spend $68 monthly for full coverage North Carolina auto insurance. These lower-than-normal rates may be attributed to North Carolina’s excellent roadway system, pleasant climate, and rather low cost of living.

Average Auto Insurance Rates in North Dakota 

North Dakota has the best highway infrastructure in the nation, according to Reason Foundation research. Compared to the average American driver, North Dakotans typically spend $100 per month on full coverage auto insurance. These rates could also be explained by the state’s low number of licensed drivers, low population density, and a low number of fatal collisions.

Average Auto Insurance Rates in Ohio 

On average, drivers in Ohio spend $65 a month for full coverage Ohio auto insurance, making it one of the least expensive states. The fact that Ohio has a mix of rural and suburban roadways, which helps to break out what may otherwise be a significant concentration of traffic, may contribute to the reduced cost of coverage.

Average Auto Insurance Rates in Oklahoma 

The average cost of full coverage auto insurance for Oklahoma drivers is pretty close to the national average, around $93 monthly. This rate is consistent with the state’s cheap cost of living and low population density. Unfortunately, poor rural road conditions and a high proportion of fatal accidents may prevent average rates from falling.

Average Auto Insurance Rates in Oregon 

Despite having a high cost of living, Oregonians only spend roughly $80 per month on Oregon auto insurance. The Beaver State may have relatively cheap insurance premiums because of its sparse population, moderate climate, and well-maintained rural and urban highways.

Average Auto Insurance Rates in Pennsylvania 

Compared to the national average, Pennsylvanian drivers pay about the same or around $88 per month for Pennsylvania auto insurance. Although Pennsylvania has a low number of fatal accidents and uninsured drivers, average rates might go up in certain areas due to the state’s high population density and high cost of living.

Average Auto Insurance Rates in Rhode Island 

The average monthly premiums for full coverage auto insurance in Rhode Island are $114, among the most expensive in the country. 

The state’s high rate of uninsured drivers and poorly rated roadway infrastructure will raise your rates, but low crime and traffic fatality rates in other areas could reduce your rates.

Average Auto Insurance Rates in South Carolina 

South Carolina drivers pay an average full coverage rate of $91 per month, the same as most Americans. The cheap cost of living, sparse population, and pleasant climate in South Carolina may be factors in the state’s low average cost of auto insurance.

Average Auto Insurance Rates in South Dakota

In comparison to the national average, drivers in Mount Rushmore State pay slightly less for full coverage South Dakota auto insurance, around $86 per month. A low population density and a small number of uninsured drivers both lead to lower local rates.

Average Auto Insurance Rates in Tennessee

Compared to the average American, Tennessee drivers typically spend nearly $30 less per month for full coverage insurance. Despite having the third-highest percentage of uninsured motorists, the Volunteer State ranks 10th for best roadway performance. It also has a relatively low population density, which may help to keep monthly rates around $65.

Average Auto Insurance Rates in Texas

The average full coverage premium for Texas auto insurance is $105, slightly more than the national average.

Despite the state’s claims of average rankings in terms of cost of living and highway performance, Texas has a high rate of yearly vehicle thefts, and the urban centers of Houston, Dallas-Fort Worth, and Austin frequently endure extreme traffic congestion.

Average Auto Insurance Rates in Utah 

Due to Utah’s low crime rate and the low annual number of fatal crashes, the state’s typical insurance rates may be lower than in other states. Compared to the rest of the nation, drivers in the Beehive State only pay $75 a month for full coverage Utah auto insurance.

Average Auto Insurance Rates in Vermont

The average full coverage premium for drivers in Vermont is $74 per month, making it one of the states with the lowest average auto insurance quotes in the nation.

Vermont has one of the lowest rates of crime in the nation, the fewest fatal car accidents, and the fewest licensed drivers. These elements might make the average cost of Vermont auto insurance less expensive.

Average Auto Insurance Rates in Virginia

Compared to other American drivers, Virginians pay around $25 less per month for full coverage Virginia auto insurance. Although Virginia has an excellent highway system and a relatively low fatal accident rate, an average amount of uninsured drivers may prevent rates from falling even more.

Average Auto Insurance Rates in Washington 

Despite the high cost of living in the state, Washingtonians pay only $63 per month for full coverage auto insurance. Compared to other states, Washington has comparatively few fatal collisions each year. The state’s low population density and mild weather patterns may also play a role in its relatively cheap cost of auto insurance.

Average Auto Insurance Rates in Washington, D.C.

In comparison to the national average, the cost of full coverage auto insurance in Washington D.C. is $10 more expensive per month. The capital of the country has a population density that is around 10 times greater than any state, which adds to traffic and raises the risk of car accidents.

On the other hand, due to Washington, D.C.’s compact size, public transportation is widely available, which keeps monthly rates around $100.

Average Auto Insurance Rates in West Virginia

Compared to the national average, West Virginians are right on track, paying around $90 monthly for full coverage. However, given West Virginia’s low crime rate, low cost of living, and a low number of licensed drivers, residents may pay less for their auto insurance, depending on the city they live in.

Average Auto Insurance Rates in Wyoming

Wyoming has a high accident death rate despite its very low population density and having few licensed drivers. The average annual full coverage premium in the state of $82, but your rates will be higher if you live in an area influenced by these elements.

Are auto insurance quotes going up in every state?

Since insurers have kept raising the cost of auto insurance year after year, your state will probably experience an increase in auto insurance this year as well. The tendency of corporations to pay more in claims and modifications than they are making on policies is most likely the main cause of the rate hike.

For example, natural catastrophes are a significant trend that is causing rate rises and profit losses. To avoid losing money under these circumstances, insurers typically increase premiums.

In the upcoming years, your auto insurance rates may likely increase if you reside in a state that is particularly susceptible to natural disasters, such as hurricanes, flooding, or fires. Consider getting comprehensive auto insurance, which can shield your car from damages other than collisions, including weather damage.

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How Changing States Can Affect the Cost of Your Auto Insurance

Moving to a new state and changing your auto insurance will increase or decrease your rates. You’ll often pay higher rates if the state you’re going to has stricter minimum coverage requirements, but you’ll have lower rates if it has laxer requirements.

To estimate how much your auto insurance rates might increase or decrease if you relocate, try our auto insurance estimator below to compare auto insurance quotes by state. For instance, drivers moving from California to Texas may see a change in their rates.

Texas requires drivers to hold bodily injury liability limits of $30,000 per person and $60,000 per accident, with $25,000 in property damage liability limits. Contrarily, California only mandates $5,000 in property damage liability limitations and limits on bodily injury liability of $15,000 per person and $30,000 per accident. Texas has greater minimum coverage requirements than California, which could raise rates.

However, you might not see much of a difference if you move from Florida to Louisiana, as both states have very high insurance rates and requirements.

Bottom Line on Auto Insurance Quotes by State

Auto insurance rates vary by state and ZIP code. Some states have certain rules and regulations that can either restrict or benefit you from getting the best coverage possible. Be sure to compare rates in your state before settling with a company.

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