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Most and least expensive states for car insurance

Last updated: Nov. 25, 2018

By , Insure.com

Most least expensive states maps with keysMany items that influence how much you pay for car insurance, but location is one of the main rating factors that car insurance companies look at when making their calculations. Some other main factors include the type of vehicle, limits and coverage you choose for your policy and your driving record.

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 2018 study found a nationwide annual average premium of $1,365, up 3.6 percent from 2017. State average premiums range from $2,239 in the most expensive state to $932 in the cheapest state. The difference between the highest and lowest is $1,307, the most expensive state’s car insurance costs nearly 140 percent more than the cheapest.

Continue on to learn which states have the highest and lowest annual average car insurance rates for 2018.

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