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Most and least expensive states for car insurance

Last updated Aug. 4, 2017

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Most least expensive states maps with keys

You may be aware that the type of car you drive and your driving record affects your car insurance rates, but what about location? Yes, where you live makes a difference to car insurance companies – and can be a major rating factor to determine the premium that you’ll pay. 

Insure.com reviewed rate data compiled from six large carriers in 10 ZIP codes per state. Our driver profile for the annual state-by-state study of car insurance premiums is a 40-year-old man with good credit and a clean driving record. Rates for the same full coverage policy were averaged for America's 20 best-selling new vehicles to determine which states rates were the highest – and lowest in the nation. 

The 2017 study found a nationwide average premium of $1,318 for an annual policy, and state premiums varying from $2,394 in the most expensive state to $864 in the least expensive state. The difference between the highest and lowest is $1,530, the most expensive state’s insurance costing 177 percent more the cheapest.

Continue on to learn which states have the highest and lowest average car insurance rates for 2017.

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