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Most and least expensive states for car insurance - 2020

Last updated: Apr. 21, 2020

By , Insure.com

Most least expensive states maps with keysLocation is a key risk factor that auto insurance companies view when calculating premiums.However, it’s not the only rating factor looked at, other main factors include the type of vehicle, limits and coverage you choose for your policy and, of course, the all-important driving record. Where you live can help lower your rates, if you have lots of competition among insurance providers and fewer claims in your area, or raise your rates, due to urban areas with higher collision and claims or weather like hail and hurricanes that result in more claims as well.

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 cheapest – and most expensive in the nation.

The 2020 study found a nationwide annual average premium of $1,517, up 4% from 2019. State average premiums range from $2,878 in the most expensive state to $912 in the cheapest state. The difference between the highest and lowest is $1,966, the most expensive state’s car insurance costs nearly 215% more than the cheapest.

Continue on to learn which states have the highest and lowest annual average car insurance rates for 2020.

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