Car Insurances Rates by State in 2024
The state you live in is a big factor when determining how much you pay for car insurance. This is because states often have different car insurance requirements and different risks for drivers. Knowing the average cost of car insurance in your state can help you determine 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 $1,984 a year, while the average cost for a minimum-coverage policy is $777. Car insurance rates can vary drastically based on your location. Drivers in Maine pay $1,100 a year on average for a full-coverage policy, while drivers in Michigan pay $4,638 a year on average.
Average car insurance rates by state
| State | Full coverage | Minimum coverage |
|---|---|---|
| Alabama | $1,979 | $717 |
| Alaska | $1,635 | $663 |
| Arizona | $2,683 | $1,079 |
| Arkansas | $1,879 | $622 |
| California | $1,867 | $571 |
| Colorado | $2,542 | $897 |
| Connecticut | $2,346 | $1,088 |
| Delaware | $2,482 | $1,283 |
| Florida | $2,990 | $1,206 |
| Georgia | $1,832 | $790 |
| Hawaii | $1,643 | $609 |
| Idaho | $1,227 | $413 |
| Illinois | $2,109 | $848 |
| Indiana | $1,511 | $533 |
| Iowa | $1,663 | $444 |
| Kansas | $1,991 | $616 |
| Kentucky | $2,295 | $1,183 |
| Louisiana | $2,719 | $948 |
| Maine | $1,100 | $501 |
| Maryland | $2,051 | $1,093 |
| Massachusetts | $2,068 | $757 |
| Michigan | $4,638 | $1,849 |
| Minnesota | $1,884 | $743 |
| Mississippi | $1,796 | $662 |
| Missouri | $1,908 | $686 |
| Montana | $2,174 | $574 |
| Nebraska | $1,909 | $470 |
| Nevada | $2,958 | $1,368 |
| New Hampshire | $1,146 | $537 |
| New Jersey | $2,236 | $1,393 |
| New Mexico | $1,953 | $632 |
| New York | $2,030 | $1,059 |
| North Carolina | $1,305 | $532 |
| North Dakota | $1,858 | $522 |
| Ohio | $1,329 | $532 |
| Oklahoma | $2,119 | $656 |
| Oregon | $2,115 | $1,092 |
| Pennsylvania | $1,861 | $603 |
| Rhode Island | $2,636 | $1,213 |
| South Carolina | $1,808 | $803 |
| South Dakota | $2,016 | $351 |
| Tennessee | $1,554 | $505 |
| Texas | $1,833 | $696 |
| Utah | $2,261 | $989 |
| Vermont | $1,232 | $417 |
| Virginia | $2,110 | $923 |
| Washington | $1,534 | $651 |
| Washington, D.C. | $2,082 | $949 |
| West Virginia | $1,701 | $659 |
| Wisconsin | $1,540 | $503 |
| Wyoming | $1,437 | $370 |
Although minimum-coverage policies are much cheaper, full-coverage policies offer more protection. Minimum coverage, also known as liability-only coverage, only 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
Michigan and Florida are the most expensive states for car insurance. 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 premium | Cheapest full-coverage plan | Cheapest full-coverage plan rates |
|---|---|---|---|
| Michigan | $4,638 | USAA* and Progressive | $1,872 / $3,040 |
| Florida | $2,990 | State Farm | $1,956 |
| Nevada | $2,958 | State Farm | $1,438 |
| Louisiana | $2,719 | USAA* and State Farm | $1,723 / $2,628 |
| Arizona | $2,683 | State Farm | $1,497 |
*USAA is only offered to military member and veterans as well as their families
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.
Car insurance rates can be higher in no-fault states. The following are no-fault states:
- Florida
- Hawaii
- Kansas
- Kentucky
- Massachusetts
- Michigan
- Minnesota
- New Jersey
- New York
- North Dakota
- Pennsylvania
- Utah
In an at-fault state, if you cause a car accident, you are responsible for covering injuries from the other vehicle.
Minimum state car insurance limits
A state’s minimum-coverage requirements for car insurance can also impact how much you pay compared to someone in a different state.
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 | $15,000 / $30,000 / $5,000 |
| 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 | $30,000 / $60,000 / $25,000 |
| 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* | $30,000 / $60,000 / $20,000 |
| 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 or personal injury protection.
What happens to my car insurance when I move states?
You need to get a new insurance policy when you move to another state. Contact your current insurance company to see if they offer policies in that state. If they don’t, you will need to switch companies.
Your car insurance rate may go up or down depending on where you move. Shop around and compare 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