Home Car insurance Car insurance rates by state in 2024 Car insurance rates by state in 2024 Louisiana has the most expensive car insurance, while Maine has the cheapest. See where your state falls on Insure’s list of the cheapest and most expensive states for car insurance in 2024. View Carriers Please enter valid zip Compare top carriers in your area Written by Katrina Raenell Katrina Raenell Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication. | Reviewed by Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Expert insight from Dr. James Brau Dr. James Brau Dr. Brau teaches finance principles, entrepreneurial finance, financial planning, and corporate finance at Brigham Young University’s School of Business. His research includes issues related to initial public offerings, financial education, real estate, and entrepreneurial finance.Go to comment | Updated on: November 20, 2024 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 51M Quotes reviewed 167 Insurance providers evaluated 34.5K ZIP codes analyzed The national average rate for full coverage car insurance is $1,895, but how much you’ll pay depends largely on where you live. The state you reside in is one of the biggest factors influencing the price of your auto insurance premium. Louisiana is the most expensive state for car insurance with an average auto insurance premium of $2,883 annually. Maine’s average insurance premium for full coverage is $1,175 annually, making this the cheapest state for car insurance in 2024. Below is the detailed list of the top 10 most and least expensive states for car insurance, along with their rates. RankTop 10 most expensive states for car insuranceTop 10 cheapest states for car insurance1Louisiana: $2,883Maine: $1,1752Florida: $2,694New Hampshire: $1,2653California: $2,416Vermont: $1,3194Colorado: $2,337Ohio: $1,4175South Dakota: $2,280Idaho: $1,4286Michigan: $2,266Virginia: $1,4697Kentucky: $2,228Indiana: $1,5158Montana: $2,193Hawaii: $1,5179Washington, D.C.: $2,157Illinois: $1,53210Oklahoma: $2,138Washington: $1,608 Key Takeaways Maine is the cheapest state for car insurance at $1,175 annually, or $97 monthly, for a full coverage policy. Louisiana is the most expensive state for car insurance at $2,883 annually for a full coverage policy. Car insurance premium spikes have been attributed to inflation, weather and accident claims, poor driving habits and population density. Estimate auto insurance rates in your state Select your state Florida AlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming The average car insurance cost in Florida is $2,694 per year, based on Insure.com's analysis. In Florida, the average premium for car insurance is $224 per month. State Farm has the cheapest car insurance rates in Florida, at an average annual rate of $2,119 a year. Read more about average car insurance cost in Florida How much car insurance costs by state Behind Louisiana, Florida, California, Colorado and South Dakota followed as the most expensive states in the country for auto insurance. In general, rates have increased due to inflation affecting the cost of parts and repairs, but other factors that spike car insurance rates include higher population, crime rates and weather trends. Additionally, more uninsured drivers and costly lawsuits always push up premiums. Rates in Louisiana have seen a significant increase this year, with a $189 difference between the Pelican State and Florida, the second-most expensive state for full coverage car insurance. Louisiana’s rates have ticked to the top of the list mainly due to inflation and national car insurance premium hikes. “If driving in one state is more dangerous than another, insurance companies will charge higher rates for their policies,” says Jim Brau, Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business. When it comes to the most affordable car insurance full coverage premiums, Maine has the cheapest rates in 2023. New Hampshire came in second, followed by Vermont, Ohio and Idaho. In Maine, the average full coverage premium is $1,175 annually, 38% less than the national average of $1,895. With a lower population density and fewer car insurance claims, Maine residents benefit from more affordable car insurance options. Average car insurance rates by state Graph Table StateFull coverage ratesLiability-only ratesState-minimum ratesAlabama$1,860$639$433Alaska$1,676$508$398Arizona$1,812$764$516Arkansas$1,957$589$397California$2,416$864$551Colorado$2,337$717$437Connecticut$1,725$783$704Delaware$2,063$1,022$788Florida$2,694$1,629$993Georgia$1,970$789$577Hawaii$1,517$572$396Idaho$1,428$440$357Illinois$1,532$471$421Indiana$1,515$498$417Iowa$1,630$320$260Kansas$1,900$471$434Kentucky$2,228$810$606Louisiana$2,883$1,266$722Maine$1,175$341$335Maryland$1,746$756$727Massachusetts$1,726$655$511Michigan$2,266$645$604Minnesota$1,911$512$475Mississippi$2,008$637$463Missouri$1,982$582$488Montana$2,193$540$350Nebraska$1,902$373$331Nevada$2,060$1,042$720New Hampshire$1,265$416$397New Jersey$1,902$915$853New Mexico$2,049$658$421New York$1,870$827$731North Carolina$1,741$523$476North Dakota$1,665$370$349Ohio$1,417$446$362Oklahoma$2,138$657$408Oregon$1,678$710$641Pennsylvania$1,872$504$375Rhode Island$2,061$808$646South Carolina$2,009$925$720South Dakota$2,280$338$307Tennessee$1,677$547$442Texas$2,043$774$572Utah$1,825$756$582Vermont$1,319$324$306Virginia$1,469$477$428Washington$1,608$731$438Washington, D.C.$2,157$785$558West Virginia$2,005$585$510Wisconsin$1,664$425$365Wyoming$1,758$331$288 Select State Select StateAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington D.C.West VirginiaWisconsinWyoming AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY Lowest Highest The most expensive states for car insurance According to data analysis by Insure.com, Louisiana tops the list of most expensive states for car insurance in 2024 with an average annual premium of $2,883, followed closely by Florida at $2,694 and California at $2,416. Other high-cost states include Colorado and South Dakota, with averages of $2,337 and $2,280, respectively. Top 10 states with highest car insurance rates RankStateAverage annual rate (full coverage)1Louisiana$2,8832Florida$2,6943California$2,4164Colorado$2,3375South Dakota$2,2806Michigan$2,2667Kentucky$2,2288Montana$2,1939Washington, D.C.$2,15710Oklahoma$2,138 The cheapest states for car insurance While car insurance rates are increasing across the country, residents in some states still get to enjoy affordable prices — for now. Residents of Maine, New Hampshire and Vermont see the cheapest rates across the country. Top 10 states with cheapest car insurance rates Graph Table RankStateAverage annual rate (full coverage)1Maine$1,1752New Hampshire$1,2653Vermont$1,3194Ohio$1,4175Idaho$1,4286Virginia$1,4697Indiana$1,5158Hawaii$1,5179Illinois$1,53210Washington$1,608 The cheapest state for car insurance: Maine The average premium in the Pine Tree State is $1,175. “Maine’s historically low auto insurance losses have helped to keep premiums low, as has the state’s competitive auto insurance market,” says Judi Watters, consumer outreach specialist with the Maine Bureau of Insurance. Low density and plenty of insured drivers help drive low insurance rates. Maine ranks 42nd for population density, leading to fewer accidents and claims when compared to our most expensive states. New Hampshire and Vermont follow at average annual premiums of $1,265 and $1,319, respectively. How have car insurance rates changed over the past two years? Car insurance rates saw an uptick in 2023 — more than 19% from 2022, according to analysis from the U.S. Bureau of Labor Statistics. While inflation impacts the cost of repairs and parts, medical and insurance claims have also increased since the pandemic as noted in a recent study by the American Property Casualty Insurance Association (APCIA). Pennsylvania, South Dakota and Ohio all had increases of more than 40% from 2022 to 2023. See more year-over-year increases in the chart below. State2023 rates2022 ratesPercent increase from 2022-2023Dollar increase from 2022-2023Alabama$1,860$1,45128%$409Alaska$1,676$1,35424%$322Arizona$1,812$1,48022%$332Arkansas$1,957$1,42338%$534California$2,416$2,11015%$306Colorado$2,337$1,80729%$530Connecticut$1,725$1,736-1%-$11Delaware$2,063$2,135-3%-$72Florida$2,694$2,5834%$111Georgia$1,970$1,57025%$400Hawaii$1,517$1,30616%$211Idaho$1,428$1,04537%$383Illinois$1,532$1,37811%$154Indiana$1,515$1,18428%$331Iowa$1,630$1,31924%$311Kansas$1,900$1,52924%$371Kentucky$2,228$1,86919%$359Louisiana$2,883$2,53514%$348Maine$1,175$1,1007%$75Maryland$1,746$1,48617%$260Massachusetts$1,726$1,52813%$198Michigan$2,266$2,1585%$108Minnesota$1,911$1,46331%$448Mississippi$2,008$1,49434%$514Missouri$1,982$1,9482%$34Montana$2,193$1,75125%$442Nebraska$1,902$1,955-3%-$53Nevada$2,060$1,9784%$82New Hampshire$1,265$1,2680%-$3New Jersey$1,902$1,928-1%-$26New Mexico$2,049$1,51635%$533New York$1,870$2,072-10%-$202North Carolina$1,741$1,32431%$417North Dakota$1,665$1,28530%$380Ohio$1,417$99842%$419Oklahoma$2,138$1,70026%$438Oregon$1,678$1,24934%$429Pennsylvania$1,872$1,25649%$616Rhode Island$2,061$1,71720%$344South Carolina$2,009$1,9026%$107South Dakota$2,280$1,55347%$727Tennessee$1,677$1,31328%$364Texas$2,043$1,79614%$247Utah$1,825$1,42828%$397Vermont$1,319$1,08122%$238Virginia$1,469$1,22420%$245Washington$1,608$1,21333%$395Washington, D.C.$2,157$1,84517%$312West Virginia$2,005$1,53631%$469Wisconsin$1,664$1,31127%$353Wyoming$1,758$1,6179%$141 Factors impacting the top five most expensive states for car insurance 1st most expensive state: Louisiana sees rate hikes by state regulators Louisiana saw an average premium increase of 14% in 2023, jumping $348 from 2022 to 2023, from $2,535 to $2,883 for full coverage car insurance. Rates in Louisiana increased a whopping 73% from 2019. While the Pelican State has been in the top three most expensive states for car insurance since 2017, it rose to first place this year for several reasons. State regulators approved Louisiana car insurers to increase rates across the board in August 2023. According to Insurance Commissioner Jim Donelon, significant rate increases have been seen as inflation impacts increase the cost of parts and labor. Additionally, Louisiana has statistically high numbers of uninsured and underinsured drivers. In a 2019 report, the state had an estimated 11.7% uninsured driver rate. This high percentage creates an increased risk of lawsuits and uninsured motorist claims, which will cause car insurance rates to spike. 2nd most expensive state: Florida’s high-risk drivers and weather-related claims raise premiums Florida drops from the most expensive state for car insurance to the second-most expensive in 2024 — with Louisiana seeing $189 more annually than the Sunshine State. The average 2023 premium for full coverage in Florida was up 4%, or $111, from $2,583 in 2022 to $2,694 annually. Florida is no stranger to high car insurance premiums. The state sits in “hurricane alley” — a prime location for consistent high winds, flooding and property damage. Weather-related claims from hail and water damage in Florida led to substantial underwriting losses, which caused premiums in Florida to spike. Some insurers left the market altogether. With 12 universities, an enrollment of more than 300,000 students, and many more colleges and trade and art schools, there are a lot of young drivers on the road in the state. This poses a high risk for accidents and claims, which increases car insurance premiums. Florida also has a high number of uninsured drivers on the road: more than 20%. This is one of the highest rates in the country for uninsured drivers, 9% less than Mississippi’s 29% — the highest rate for uninsured motorists in the U.S. 3rd most-expensive state: California sees state-approved rate increases and insurer policy approval slow down California’s insurance premiums climbed from an annual average of $2,110 in 2022 to $2,416 in 2023, making the state the top three most expensive in the country for full coverage car insurance. This 15% increase can be attributed to state-mandated car insurance changes, car insurance company processes and inflation increases in auto parts and labor services. In 2023, the state insurance department approved 111 car insurance rate increases. Residents also saw a slowdown in new car insurance approvals as California auto insurers aimed to stem losses by discouraging, delaying and denying customer access to insurance, according to California Insurance Commissioner Ricardo Lara. Nearing the end of 2023, Lara said that the “insurers’ passive-aggressive tactics are unacceptable, dangerous, and will not be tolerated.” The state Insurance Commissioner’s office will continue to monitor insurers’ processes and take action against them if laws are not being followed. 4th most-expensive state: Colorado rates increase 29% with inflation, poor driving habits and legality issues Coloradans are seeing hikes in their car insurance premiums due to a perfect storm of rising costs, risky driving behaviors and murky car insurance policy laws. Rising 29% to an average annual rate of $2,337 from $1,807 — Colorado drivers saw an increase of $530 full coverage insurance in 2023. According to the Rocky Mountain Insurance Association, insurance rates have seen a 53% increase over the past decade, and recent hikes in costs can be attributed to inflation, higher claims and legal factors. The report highlights a sharp 40% increase in bodily injury claim severity between 2018 and 2022, attributed to medical inflation, legal system abuse and a rise in fatalities. Additionally, legal transparency and clarity in insurance policies are needed as policyholders have double-dipped on medical payment coverages and lawsuits have followed some market-based incidents. These factors also impact premium increases. 5th most-expensive state: South Dakota rates rise 47% as accidents and claims see a sharp uptick In 2023, South Dakota full coverage car insurance premiums nearly doubled, from $1,553 to $2,280 annually. This sharp increase can be attributed to rising inflation costs, increased road accidents and claims and more driving miles. State Farm Agent Ryan Reiner recently stated to Dakota News Now the state has seen more drivers on the road since 2020, which is causing an uptick in accidents. These claims, mixed with inflation increasing the cost of labor and parts, contribute to the increase in insurance premiums. Additionally, some insurers are increasing their rates for driving miles — a 7% to 8% increase from 7,500 miles to 10,000 miles per year, Reiner says. The most expensive states for liability-only car insurance Liability-only insurance provides bare-bones liability coverage. Drivers can add additional coverage options to their policy to ensure their vehicle and health are covered during an accident. Before opting for additional protections, you should know how your state ranks for liability-only car insurance. Find out which states ranked the highest for the most expensive liability-only car insurance below. 1. Florida: $1,629 annually 2. Louisiana: $1,266 annually 3. Nevada: $1,042 annually 4. Delaware: $1,022 annually 5. South Dakota: $925 annually Most expensive liability-only rates by state State Average annual rate (50/100/50 liability-only) Florida$1,629 Louisiana$1,266 Nevada$1,042 Delaware$1,022 South Carolina$925 New Jersey$915 California$864 New York$827 Kentucky$810 Rhode Island$808 Georgia$789 Washington, D.C.$785 Connecticut$783 Texas$774 Arizona$764 Maryland$756 Utah$756 Washington$731 Colorado$717 Oregon$710 New Mexico$658 Oklahoma$657 Massachusetts$655 Michigan$645 Alabama$639 Mississippi$637 Arkansas$589 West Virginia$585 Missouri$582 Hawaii$572 Tennessee$547 Montana$540 North Carolina$523 Minnesota$512 Alaska$508 Pennsylvania$504 Indiana$498 Virginia$477 Illinois$471 Kansas$471 Ohio$446 Idaho$440 Wisconsin$425 New Hampshire$416 Nebraska$373 North Dakota$370 Maine$341 South Dakota$338 Wyoming$331 Vermont$324 Iowa$320 Cheapest states for liability-only car insurance Some states have much lower liability-only car insurance than others. Residents of Iowa, Vermont and Wyoming see the cheapest rates nationwide for liability-only policies with limits of 50/100/50. 1. Iowa: $320 2. Vermont: $324 3. Wyoming: $331 4. South Dakota: $338 5. Maine: $341 Rank State Average annual rate (50/100/50 liability-only) 1Iowa$320 2Vermont$324 3Wyoming$331 4South Dakota$338 5Maine$341 6North Dakota$370 7Nebraska$373 8New Hampshire$416 9Wisconsin$425 10Idaho$440 11Ohio$446 12Kansas$471 13Illinois$471 14Virginia$477 15Indiana$498 16Pennsylvania$504 17Alaska$508 18Minnesota$512 19North Carolina$523 20Montana$540 21Tennessee$547 22Hawaii$572 23Missouri$582 24West Virginia$585 25Arkansas$589 26Mississippi$637 27Alabama$639 28Michigan$645 29Massachusetts$655 30Oklahoma$657 31New Mexico$658 32Oregon$710 33Colorado$717 34Washington$731 35Utah$756 36Maryland$756 37Arizona$764 38Texas$774 39Connecticut$783 40Washington, D.C.$785 41Georgia$789 42Rhode Island$808 43Kentucky$810 44New York$827 45California$864 46New Jersey$915 47South Carolina$925 48Delaware$1,022 49Nevada$1,042 50Louisiana$1,266 51Florida$1,629 Most expensive states for state minimum liability-only car insurance Nearly every state requires drivers to carry a minimum amount of car insurance coverage — typically liability-only. This type of car insurance generally provides both bodily injury and property damage coverages for other drivers should you be involved in a car accident. The priciest states for state-minimum-only car insurance: Florida: $993 annually New Jersey: $853 annually Delaware: $788 annually New York: $731 annually Maryland: $727 annually While this insurance is mandatory, it often doesn’t cover the full financial obligations resulting from an accident. Find out which states have the most expensive liability-only car insurance below. Rank State State minimum liability-only car insurance rates 1Florida$993 2New Jersey$853 3Delaware$788 4New York$731 5Maryland$727 6Louisiana$722 7South Carolina$720 8Nevada$720 9Connecticut$704 10Rhode Island$646 11Oregon$641 12Kentucky$606 13Michigan$604 14Utah$582 15Georgia$577 16Texas$572 17Washington, D.C.$558 18California$551 19Arizona$516 20Massachusetts$511 21West Virginia$510 22Missouri$488 23North Carolina$476 24Minnesota$475 25Mississippi$463 26Tennessee$442 27Washington$438 28Colorado$437 29Kansas$434 30Alabama$433 31Virginia$428 32Illinois$421 33New Mexico$421 34Indiana$417 35Oklahoma$408 36Alaska$398 37New Hampshire$397 38Arkansas$397 39Hawaii$396 40Pennsylvania$375 41Wisconsin$365 42Ohio$362 43Idaho$357 44Montana$350 45North Dakota$349 46Maine$335 47Nebraska$331 48South Dakota$307 49Vermont$306 50Wyoming$288 51Iowa$260 Cheapest states for state minimum liability-only car insurance Iowa, Wyoming, Vermont, South Dakota and Nebraska residents pay the least for the state minimum car insurance in the U.S. Find the cheapest states for liability-only car insurance below. The cheapest states for state-minimum-only car insurance: Iowa: $260 annually Wyoming: $288 annually Vermont: $306 annually South Dakota: $307 annually Nebraska: $331 annually Rank State State minimum liability-only car insurance rates 1Iowa$260 2Wyoming$288 3Vermont$306 4South Dakota$307 5Nebraska$331 6Maine$335 7North Dakota$349 8Montana$350 9Idaho$357 10Ohio$362 11Wisconsin$365 12Pennsylvania$375 13Hawaii$396 14Arkansas$397 15New Hampshire$397 16Alaska$398 17Oklahoma$408 18Indiana$417 19New Mexico$421 20Illinois$421 21Virginia$428 22Alabama$433 23Kansas$434 24Colorado$437 25Washington$438 26Tennessee$442 27Mississippi$463 28Minnesota$475 29North Carolina$476 30Missouri$488 31West Virginia$510 32Massachusetts$511 33Arizona$516 34California$551 35Washington, D.C.$558 36Texas$572 37Georgia$577 38Utah$582 39Michigan$604 40Kentucky$606 41Oregon$641 42Rhode Island$646 43Connecticut$704 44Nevada$720 45South Carolina$720 46Louisiana$722 47Maryland$727 48New York$731 49Delaware$788 50New Jersey$853 51Florida$993 Why do car insurance costs vary by state? Each state has regulations regarding premiums determined by certain factors such as population density, weather and driving incident data. When looking at driving data, insurance companies consider what collision and claims records state and identify risk areas and prices accordingly. There are also state-mandated insurance laws that insurance companies must abide by and provide insurance coverage options for. These can vary in cost. For example, some states are tort states — where the at-fault driver’s insurance pays for the other driver’s injuries and property damage. On the other hand, some states are no-fault states — where your insurance pays for your medical costs when you’re involved in an accident, regardless of who is at fault. What your state requires you to carry coverage for — liability minimum, medical coverage or personal injury protection (PIP) — can impact insurance premiums. Which states don’t require car insurance? All U.S. states except New Hampshire require drivers to carry some form of coverage. Drivers in the Granite State are not mandated to carry car insurance. Still, they must prove they have sufficient funds to meet the state’s financial responsibility requirements should they be in an accident. Additionally, Virginia drivers can opt out of the state’s insurance requirements if they pay the uninsured motorist fee annually. They will still be responsible for at-fault accident damages. How can moving states affect your car insurance premiums? Relocation has been trending for several years as more people seek new opportunities and affordable living. However, it’s important to consider how your car insurance could be impacted when setting up a new life in a new state. Before you pack the moving truck, calculate the cost of living in your soon-to-be new home state. Knowing how your everyday expenses will vary from ZIP code to ZIP code and how much you can anticipate spending (or saving!) on home and car insurance is valuable. Typically, car insurance rates are partially based on an area’s claims history — thefts, break-ins, accidents — and crime rates in your new hometown help determine car insurance premiums. It will also help to consider your potential commute and how that may impact your premium (or provide a low-mileage discount!). How to save money on auto insurance rates in any state One easy way to find cheap car insurance in your state is to ask your insurance company about available discounts. Here are several common cost-saving discount options: Receive a good or safe driver discount by keeping your driving record clear of any violations or accidents. Purchase your home, auto and life insurance policies from the same insurance company to bundle your premiums and save. Students can receive good student discounts for good grades. Sign up for online statements and automatic bill pay often discounts a small amount from your monthly bill. Drivers who travel less than 10,000 miles can apply for a low-mileage discount. Take courses, such as defensive driving or training classes, to earn a safe driver discount. What our expert says Q: Why do car insurance rates vary so much from state to state? Dr. James BrauJoel C. Peterson Professor of Finance Brigham Young University It all comes down to risk. If driving in one state is more dangerous than another, insurance companies will charge higher rates for their policies. For example, suppose most of the population in one state lives in a very large city where there are relatively more wrecks and thefts. In that case, insurance rates will be higher than in another state where maybe there aren’t as many people and the rural areas don’t have these problems as much. Frequently asked questions What states have the highest car insurance rates? Our data finds that the 10 most expensive states for car insurance in 2024 are: Louisiana: $2,883 a year Florida: $2,694 a year California: $2,416 a year Colorado: $2,337 a year South Dakota: $2,280 a year Michigan: $2,266 a year Kentucky: $2,228 a year Montana: $2,193 a year Washington, D.C.: $2,157 a year Oklahoma: $2,138 a year How are car insurance rates determined? Car insurance rates are set based on numerous factors and vary by state. Some of the top factors include the following: Driving record: One of the essential elements in determining rates is a driver’s record. Accidents, claims and violations raise your premiums. For the best rates, drive safely and obey all traffic rules. Gender and age: When calculating insurance rates, the driver’s gender and age matter in most states. When an insurance company assesses risk, these two factors can spike rates if the driver is in a high-risk group. For example, male teen drivers’ rates are typically higher because they have an increased risk of being in an accident and are likely to file a claim. Location: If you live in a populated city with higher rates of crime and traffic violations, you’ll likely pay more. Insurers evaluate local data and make risk-based decisions based on where you live. Increased crime or claim frequencies will result in higher premiums. Weather is also considered, as is where you park your car at night. For example, your rate may be lower if you park in a garage. Credit score: Your credit score is used by insurance companies in most states. It is a big component of many insurers’ scores. Typically, if your credit score is lower or you show high revolving accounts and missed payments, your car insurance premium can be higher. Currently, insurance companies are not permitted to consider your credit score in the following states: California, Hawaii, Maryland, Massachusetts, Michigan, Oregon and Utah. The type of vehicle you drive: The car you drive will impact your insurance premium. Again, insurance companies are assessing risk and potential claims costs. If you drive a luxury vehicle with premium parts, you may be looking at a higher insurance premium as a collision with your car could be an expensive claim. How to get the best car insurance rates While there’s no one way to get the best car insurance rates, there are some money-saving strategies you can try. In addition to maintaining safe driving habits, you can shop around for new premiums a couple of times a year, inquire about available discounts and improve your credit report. One way to improve your driving habits would be to avoid speeding tickets and drive defensively to avoid accidents. Some insurance companies also offer usage-based safe driving programs that monitor your driving habits and reward you with discounts or a monthly decrease in your premium rate. Improve your credit rating by consistently paying down debts and not accruing new debts, contacting debtors to work on payment plans, making on-time payments and monitoring your account for fraudulent activity. Talk to your insurance company about bundling your car insurance and inquire about available discounts. You may be able to bundle your car insurance policy with another vehicle in your home or add it to your home insurance policy for a discount. Some insurance companies offer pay-per-mile insurance coverage — where you pay a monthly base rate plus a per-mile fee. This billing type is great for drivers who don’t drive frequently or travel far from home. Read more: How much is car insurance a month Average used car insurance rates by vehicle The most expensive and cheapest cars to insure for 2024 Methodology Insure.com editors in 2023 collected rates from Quadrant Information Services for a 40-year-old driving a Honda Accord LX with a good insurance score and no violation on record with a 12-mile commute and 10,000 annual mileage. We analyzed 51,088,003 records, 34,588 ZIP codes and 167 insurance companies nationwide. Sources: American Property Casualty Insurance Association (APCIA). “APCIA Releases New Study: Auto Insurance: The Uncertain Road Ahead; Highlights Continued Impact of Inflation and other Trends.” Accessed November 2024. Dakota News Now. “Rising car insurance rates: Causes and tips to save.” Accessed November 2024. Florida Department of Education. “Higher education.” Accessed November 2024. Insurance Business. “Florida facing skyrocketing auto insurance rates.” Accessed November 2024. Insurance Information Institute (III). “Facts + statistics: Uninsured motorists.” Accessed November 2024. Insurance Newsnet. “Calif. Insurers continue tactics to slow new policies, stem losses.” Accessed November 2024. NOLA.com. “Car insurance rates are rising: See which of Louisiana’s top 5 has the biggest increase.” Accessed November 2024. Progressive Insurance. “Do I have to change my car insurance when moving?” Accessed November 2024. Rocky Mountain Insurance Association. “What’s fueling Colorado car insurance rates?” Accessed November 2024. United States Bureau of Labor Statistics. “Consumer Price Index News Release.” Accessed November 2024. How much is car insurance in your state or city Compare car insurance rates by state and learn about how car insurance works in your area. Select your state or city from the below list to get an estimate of car insurance cost. Alaska ($1,359/year) Fairbanks|Wasilla Alabama ($1,542/year) Birmingham|Huntsville|Mobile|Montgomery|Tuscaloosa Arkansas ($1,597/year) Fayetteville|Fort Smith|Jonesboro|Little Rock Arizona ($1,617/year) Chandler|Mesa|Phoenix|Scottsdale|Tucson California ($2,115/year) Fresno|Los Angeles|San Diego|San Francisco|San Jose Colorado ($1,940/year) Aurora|Colorado Springs|Denver|Fort Collins|Lakewood Connecticut ($1,750/year) Bridgeport|Hartford|New Haven|Stamford|Waterbury Delaware ($2,137/year) Dover|Newark|Wilmington Florida ($2,560/year) Jacksonville|Miami|Orlando|Tampa Georgia ($1,647/year) Atlanta|Augusta|Columbus|Sandy Springs|Savannah Hawaii ($1,306/year) Iowa ($1,321/year) Cedar Rapids|Davenport|Des Moines|Iowa City|Sioux City Idaho ($1,121/year) Boise City|Caldwell|Idaho Falls|Meridian|Nampa Illinois ($1,578/year) Aurora|Chicago|Joliet|Naperville|Rockford Indiana ($1,256/year) Carmel|Evansville|Fishers|Fort Wayne|South Bend Kansas ($1,594/year) Kansas City|Olathe|Overland Park|Topeka|Wichita Kentucky ($2,105/year) Bowling Green|Covington|Georgetown|Owensboro|Richmond Louisiana ($2,546/year) Baton Rouge|Lafayette|Lake Charles|New Orleans|Shreveport Massachusetts ($1,538/year) Boston|Cambridge|Lowell|Springfield|Worcester Maryland ($1,640/year) Baltimore|Bowie|Frederick|Gaithersburg|Rockville Maine ($1,116/year) Auburn|Bangor|Lewiston|Portland Michigan ($2,133/year) Ann Arbor|Detroit|Grand Rapids|Sterling Heights|Warren Minnesota ($1,493/year) Bloomington|Duluth|Minneapolis|Rochester Missouri ($2,104/year) Columbia|Independence|Kansas City|Springfield Mississippi ($1,606/year) Biloxi|Gulfport|Hattiesburg|Jackson|Southaven Montana ($1,692/year) Billings|Bozeman|Great Falls|Helena|Missoula North Carolina ($1,368/year) Charlotte|Durham|Greensboro|Raleigh North Dakota ($1,419/year) Bismarck|Fargo|Grand Forks|Minot Nebraska ($2,018/year) Bellevue|Grand Island|Kearney|Lincoln|Omaha New Hampshire ($1,307/year) Concord|Dover|Manchester|Nashua|Rochester New Jersey ($1,901/year) Clifton|Elizabeth|Jersey City|Newark|Paterson New Mexico ($1,505/year) Albuquerque|Las Cruces|Rio Rancho|Roswell|Santa Fe Nevada ($2,023/year) Henderson|Las Vegas|North Las Vegas|Reno|Sparks New York ($2,020/year) Buffalo|New York|Rochester|Syracuse|Yonkers Ohio ($1,023/year) Akron|Cincinnati|Cleveland|Columbus|Toledo Oklahoma ($1,797/year) Broken Arrow|Edmond|Norman|Oklahoma City|Tulsa Oregon ($1,244/year) Eugene|Gresham|Hillsboro|Portland|Salem Pennsylvania ($1,445/year) Allentown|Erie|Philadelphia|Pittsburgh|Reading Rhode Island ($1,845/year) Cranston|East Providence|Pawtucket|Providence|Warwick South Carolina ($1,894/year) Charleston|Columbia|Greenville|North Charleston|Rock Hill South Dakota ($1,581/year) Aberdeen|Brookings|Sioux Falls|Watertown Tennessee ($1,373/year) Chattanooga|Clarksville|Knoxville|Memphis|Murfreesboro Texas ($1,875/year) Austin|Dallas|Fort Worth|Houston|San Antonio Utah ($1,469/year) Orem|Provo|Salt Lake City Virginia ($1,321/year) Chesapeake|Newport News|Norfolk|Richmond|Virginia Beach Vermont ($1,158/year) Barre|Burlington|Essex Junction|Rutland|South Burlington Washington ($1,371/year) Bellevue|Seattle|Spokane|Tacoma|Vancouver Wisconsin ($1,499/year) Green Bay|Kenosha|Madison|Milwaukee West Virginia ($1,610/year) Charleston|Huntington|Morgantown Wyoming ($1,736/year) Casper|Cheyenne|Gillette Katrina RaenellContributing Researcher  . .Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication. In case you missed it Best Car Insurance Companies of 2024 What is full coverage car insurance? How much does car insurance cost for seniors in 2024? A complete guide to adding a teenager to your car insurance policy in 2024 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page How much car insurance costs by stateAverage car insurance rates by stateThe most expensive states for car insuranceThe cheapest states for car insuranceHow have car insurance rates changed over the past two years?Factors impacting the top five most expensive states for car insuranceThe most expensive states for liability-only car insuranceCheapest states for liability-only car insuranceMost expensive states for state minimum liability-only car insuranceCheapest states for state minimum liability-only car insuranceWhy do car insurance costs vary by state?Which states don't require car insurance?How can moving states affect your car insurance premiums?How to save money on auto insurance rates in any stateWhat our expert saysFrequently asked questions ZIP Code Please enter valid ZIP See rates