Car Insurances Rates by State for 2025
In Maine, the average cost of full-coverage car insurance is $1,243 a year, for example. That’s the cheapest average rate in the U.S. Nevada drivers pay around $3,439 a year for full coverage, which is the highest average rate.
Knowing the average cost of car insurance in your state can help you see if you’re overpaying for car insurance.
Cost of car insurance by state
The average cost of a full-coverage car insurance policy nationally is $2,101 a year, while the average cost for a minimum-coverage policy is $829 a year.
Average car insurance rates by state
| State | Full coverage | Minimum coverage |
|---|---|---|
| Alabama | $2,322 | $907 |
| Alaska | $1,694 | $544 |
| Arizona | $2,618 | $1,094 |
| Arkansas | $2,314 | $717 |
| California | $2,017 | $700 |
| Colorado | $2,892 | $970 |
| Connecticut | $2,325 | $1,160 |
| Delaware | $2,758 | $1,407 |
| Florida | $3,267 | $1,216 |
| Georgia | $2,194 | $963 |
| Hawaii | $1,484 | $531 |
| Idaho | $1,330 | $460 |
| Illinois | $2,146 | $894 |
| Indiana | $1,560 | $574 |
| Iowa | $1,901 | $500 |
| Kansas | $2,099 | $682 |
| Kentucky | $2,378 | $978 |
| Louisiana | $2,989 | $1,042 |
| Maine | $1,243 | $543 |
| Maryland | $2,034 | $1,083 |
| Massachusetts | $1,740 | $612 |
| Michigan | $3,151 | $1,597 |
| Minnesota | $2,037 | $809 |
| Mississippi | $1,968 | $694 |
| Missouri | $2,041 | $746 |
| Montana | $2,218 | $586 |
| Nebraska | $1,933 | $570 |
| Nevada | $3,439 | $1,559 |
| New Hampshire | $1,278 | $575 |
| New Jersey | $2,384 | $1,266 |
| New Mexico | $2,037 | $688 |
| New York | $2,274 | $1,141 |
| North Carolina | $1,672 | $831 |
| North Dakota | $1,897 | $584 |
| Ohio | $1,373 | $565 |
| Oklahoma | $2,400 | $752 |
| Oregon | $2,218 | $1,137 |
| Pennsylvania | $2,060 | $650 |
| Rhode Island | $2,838 | $1,184 |
| South Carolina | $1,812 | $802 |
| South Dakota | $2,070 | $448 |
| Tennessee | $1,887 | $649 |
| Texas | $2,184 | $808 |
| Utah | $2,266 | $1,148 |
| Vermont | $1,283 | $428 |
| Virginia | $1,684 | $858 |
| Washington | $1,909 | $749 |
| Washington, D.C. | $2,371 | $1,097 |
| West Virginia | $1,788 | $716 |
| Wisconsin | $1,616 | $522 |
| Wyoming | $1,491 | $372 |
Although minimum-coverage car insurance policies are much cheaper, full-coverage policies offer more protection. Minimum coverage, also known as liability-only coverage, covers injuries and damage to others you cause in a car accident. Full coverage covers all injuries and damage, including to yourself and your vehicle.
States with the most expensive rates
Drivers in states with a lot of accidents often pay higher car insurance rates. Drivers who live in populated areas or areas with a high crime rate also tend to pay higher rates.
Most expensive states for car insurance
| State | Full-coverage average annual rate | Cheapest full-coverage plan | Cheapest full-coverage plan rate |
|---|---|---|---|
| Nevada | $3,439 | Travelers | $2,005 |
| Florida | $3,267 | State Farm | $1,957 |
| Michigan | $3,151 | Progressive | $1,906 |
| Louisiana | $2,989 | Farm Bureau | $1,746 |
| Colorado | $2,892 | State Farm | $1,948 |
| Rhode Island | $2,838 | Travelers | $1,894 |
| Delaware | $2,758 | State Farm | $1,787 |
| Arizona | $2,618 | State Farm | $1,652 |
| Oklahoma | $2,400 | State Farm | $1,541 |
| New Jersey | $2,384 | Geico | $1,163 |
No-fault states
If you live in a no-fault state and are injured in a car accident, you need to contact your insurance company no matter who caused the crash. Your personal injury protection (PIP) coverage will help cover your medical bills.
Minimum state car insurance limits
Minimum liability coverage requirements in each state
| State | Liability requirements |
|---|---|
| Alabama | $25,000 bodily injury per person; $50,000 bodily injury per accident; $25,000 per accident for property damage liability |
| Alaska | $50,000 / $100,000 / $25,000 |
| Arizona | $25,000 / $50,000 / $15,000 |
| Arkansas | $25,000 / $50,000 / $25,000 |
| California | $30,000 / $60,000 / $15,000 |
| Colorado | $25,000 / $50,000 / $15,000 |
| Connecticut | $25,000 / $50,000 / $15,000 |
| Delaware | $25,000 / $50,000 / $10,000 |
| Florida | $10,000 per accident for property damage liability |
| Georgia | $25,000 / $50,000 / $25,000 |
| Hawaii | $20,000 / $40,000 / $10,000 |
| Idaho | $25,000 / $50,000 / $15,000 |
| Illinois | $25,000 / $50,000 / $20,000 |
| Indiana | $25,000 / $50,000 / $25,000 |
| Iowa | $20,000 / $40,000 / $15,000 |
| Kansas | $25,000 / $50,000 / $25,000 |
| Kentucky | $25,000 / $50,000 / $25,000 |
| Louisiana | $15,000 / $30,000 / $25,000 |
| Maine | $50,000 / $100,000 / $25,000 |
| Maryland | $30,000 / $60,000 / $15,000 |
| Massachusetts | $20,000 / $40,000 / $5,000 |
| Michigan | $50,000 / $100,000 / $10,000 |
| Minnesota | $30,000 / $60,000 / $10,000 |
| Mississippi | $25,000 / $50,000 / $25,000 |
| Missouri | $25,000 / $50,000 / $25,000 |
| Montana | $25,000 / $50,000 / $20,000 |
| Nebraska | $25,000 / $50,000 / $25,000 |
| Nevada | $25,000 / $50,000 / $20,000 |
| New Hampshire* | $25,000 / $50,000 / $25,000 |
| New Jersey | $25,000/ $50,000 / $25,000 |
| New Mexico | $25,000 / $50,000 / $10,000 |
| New York | $25,000 / $50,000 / $10,000 |
| North Carolina | $50,000 / $100,000 / $50,000 |
| North Dakota | $25,000 / $50,000 / $25,000 |
| Ohio | $25,000 / $50,000 / $25,000 |
| Oklahoma | $25,000 / $50,000 / $25,000 |
| Oregon | $25,000 / $50,000 / $20,000 |
| Pennsylvania | $15,000 / $30,000 / $5,000 |
| Rhode Island | $25,000 / $50,000 / $25,000 |
| South Carolina | $25,000 / $50,000 / $25,000 |
| South Dakota | $25,000 / $50,000 / $25,000 |
| Tennessee | $25,000 / $50,000 / $15,000 |
| Texas | $30,000 / $60,000 / $25,000 |
| Utah | $25,000 / $65,000 / $15,000 |
| Vermont | $25,000 / $50,000 / $10,000 |
| Virginia* | $50,000 / $100,000 / $25,000 |
| Washington | $25,000 / $50,000 / $10,000 |
| Washington, D.C. | $25,000 / $50,000 / $10,000 |
| West Virginia | $25,000 / $50,000 / $25,000 |
| Wisconsin | $25,000 / $50,000 / $10,000 |
| Wyoming | $25,000 / $50,000 / $20,000 |
*Car insurance is not required in state
Some states require other types of car insurance coverage, too, such as:
- Uninsured motorist coverage
- Underinsured motorist coverage
- Medical payments coverage
- Personal injury protection
What happens to my car insurance when I move states?
Your car insurance rate may go up or down depending on where you move. Shop around and compare car insurance quotes from several companies before you buy a new policy.
Methodology
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of car insurance quotes for a typical driver. Prices are shown for comparative purposes only. Your own rates may be different.
Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX.
Minimum-liability policies provide liability coverage with the state’s required minimum limits.
Full-coverage policies include collision, comprehensive and liability coverage:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured / underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Personal injury protection: Minimum limits, where required by law
- Collision: $500 deductible
- Comprehensive: $500 deductible
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Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included Complaint Index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims. Overall satisfaction ratings are from the J.D. Power 2024 U.S. Auto Insurance Study.