Car Insurance Rate Lookup by State

Find the average car insurance premium for your state or city. Select your state below to see annual and monthly costs, minimum coverage rates, full coverage rates, and how your area compares to the national average of $1,900/year.

Look Up Your Car Insurance Rate

Car Insurance Rates by State - All 50 States + DC

Average car insurance premiums vary dramatically across the United States, from $1,000/year in Maine to $3,100/year in Michigan. Currently, 15 states have rates above the national average of $1,900/year, while 36 states are at or below. Click any state for detailed city-level data and coverage options.

MI $3,100 Michigan LA $2,700 Louisiana FL $2,560 Florida NY $2,400 New York CA $2,200 California NJ $2,200 New Jersey KY $2,100 Kentucky NV $2,100 Nevada CO $2,050 Colorado GA $2,000 Georgia TX $2,000 Texas CT $1,950 Connecticut MD $1,950 Maryland OK $1,950 Oklahoma AZ $1,940 Arizona DC $1,900 District of Columbia DE $1,850 Delaware RI $1,850 Rhode Island IL $1,800 Illinois PA $1,800 Pennsylvania SC $1,800 South Carolina AL $1,780 Alabama AR $1,750 Arkansas MS $1,750 Mississippi MO $1,750 Missouri TN $1,750 Tennessee NM $1,700 New Mexico KS $1,650 Kansas MA $1,650 Massachusetts OR $1,650 Oregon WA $1,600 Washington WV $1,600 West Virginia MN $1,550 Minnesota NC $1,550 North Carolina UT $1,550 Utah MT $1,500 Montana NE $1,500 Nebraska VA $1,500 Virginia AK $1,450 Alaska IN $1,450 Indiana WY $1,400 Wyoming ND $1,350 North Dakota SD $1,350 South Dakota IA $1,300 Iowa WI $1,300 Wisconsin HI $1,200 Hawaii NH $1,200 New Hampshire OH $1,200 Ohio VT $1,100 Vermont ID $1,050 Idaho ME $1,000 Maine

10 Most Expensive States for Car Insurance

These states have the highest average car insurance premiums in the country. Factors like no-fault insurance laws, high uninsured driver rates, urban density, and severe weather all contribute to elevated costs.

# State Avg. Annual Avg. Monthly Full Coverage vs. National Avg
1 Michigan (MI) $3,100 $258 $4,030 +$1,200 (63%)
2 Louisiana (LA) $2,700 $225 $3,510 +$800 (42%)
3 Florida (FL) $2,560 $213 $3,330 +$660 (35%)
4 New York (NY) $2,400 $200 $3,120 +$500 (26%)
5 California (CA) $2,200 $183 $2,860 +$300 (16%)
6 New Jersey (NJ) $2,200 $183 $2,860 +$300 (16%)
7 Kentucky (KY) $2,100 $175 $2,730 +$200 (11%)
8 Nevada (NV) $2,100 $175 $2,730 +$200 (11%)
9 Colorado (CO) $2,050 $171 $2,665 +$150 (8%)
10 Georgia (GA) $2,000 $167 $2,600 +$100 (5%)

10 Cheapest States for Car Insurance

These states offer the most affordable car insurance in the country. Low population density, competitive insurance markets, low crime rates, and at-fault insurance systems help keep premiums down.

# State Avg. Annual Avg. Monthly Min Coverage vs. National Avg
1 Maine (ME) $1,000 $83 $500 $-900 (-47%)
2 Idaho (ID) $1,050 $88 $525 $-850 (-45%)
3 Vermont (VT) $1,100 $92 $550 $-800 (-42%)
4 Hawaii (HI) $1,200 $100 $600 $-700 (-37%)
5 New Hampshire (NH) $1,200 $100 $600 $-700 (-37%)
6 Ohio (OH) $1,200 $100 $600 $-700 (-37%)
7 Iowa (IA) $1,300 $108 $650 $-600 (-32%)
8 Wisconsin (WI) $1,300 $108 $650 $-600 (-32%)
9 North Dakota (ND) $1,350 $113 $675 $-550 (-29%)
10 South Dakota (SD) $1,350 $113 $675 $-550 (-29%)

How Car Insurance Rates Work in the United States

Car insurance premiums in the US are influenced by a complex mix of factors that vary significantly by state, city, and individual driver. Unlike many countries with standardized rates, the US allows each state to set its own insurance regulations, coverage requirements, and rate-setting rules. This is why the average annual premium ranges from $1,000 in Maine to $3,100 in Michigan -- a difference of over $2,100 per year for the same driver.

At-Fault vs. No-Fault Insurance States

One of the biggest factors affecting car insurance rates is whether your state uses an at-fault or no-fault insurance system. In at-fault states, the driver who caused the accident is responsible for paying damages through their liability coverage. In no-fault states, each driver's own insurance pays for their medical expenses regardless of who caused the accident, through mandatory Personal Injury Protection (PIP) coverage. No-fault states (like Michigan, New York, Florida, and New Jersey) tend to have higher premiums because PIP coverage adds significant cost. Michigan, which historically required unlimited lifetime PIP benefits, has the highest average premiums in the nation.

Factors That Affect Your Car Insurance Rate

While state averages provide a useful benchmark, your individual rate depends on many personal factors:

Minimum Coverage vs. Full Coverage

Every state (except New Hampshire and Virginia, which have opt-out provisions) requires drivers to carry minimum liability insurance. However, minimum coverage only pays for damage you cause to others -- it does not cover your own vehicle or medical expenses. Full coverage typically includes liability, collision (covers your car in an accident), and comprehensive (covers theft, weather damage, vandalism). Full coverage costs 30-50% more than minimum coverage but provides much better financial protection. The national average for minimum coverage is approximately $950/year, while full coverage averages around $2,470/year.

Frequently Asked Questions

What is the average car insurance cost in the US?

The national average car insurance premium is approximately $1,900 per year, or about $158 per month. However, this varies enormously by state. Michigan has the highest average at $3,100/year, while Maine has the lowest at $1,000/year. Your individual rate may be higher or lower depending on your driving record, age, vehicle, and coverage level.

Which state has the most expensive car insurance?

Michigan has the most expensive car insurance in the US, with an average annual premium of $3,100. No-fault state with mandatory unlimited PIP (reformed in 2020). Detroit has the highest urban rates in the nation. High uninsured driver rate. Other expensive states include Louisiana ($2,700/yr) and Florida ($2,560/yr).

Which state has the cheapest car insurance?

Maine has the cheapest car insurance in the US, with an average annual premium of $1,000. At-fault state. Very low population density, low crime, and few uninsured drivers contribute to the lowest rates nationwide. Other affordable states include Idaho ($1,050/yr) and Vermont ($1,100/yr).

What is the difference between minimum coverage and full coverage?

Minimum coverage (liability only) pays for injuries and property damage you cause to others in an accident. It does not cover damage to your own vehicle. Full coverage adds collision insurance (covers your car in an at-fault accident) and comprehensive insurance (covers theft, weather damage, vandalism, and animal strikes). Full coverage typically costs 30-50% more than minimum coverage but provides much more protection. Lenders require full coverage if you have a car loan or lease.

Why does car insurance cost more in some states?

Car insurance rates vary by state due to several factors: the insurance system (no-fault states require costly PIP coverage), uninsured driver rates (states like Mississippi at 29% force insured drivers to pay more), population density and traffic congestion, severe weather exposure (hurricanes, hail, tornadoes), vehicle theft rates, litigation rates, and state regulations. States with multiple negative factors, like Florida (no-fault, hurricanes, high uninsured rate) and Michigan (no-fault with mandatory PIP), have the highest rates.