Car Insurances Rates by State for 2024
The state you live in is a big factor when determining how much you pay for car insurance. This is because states often have different car insurance requirements and different risks for drivers. Knowing the average cost of car insurance in your state can help you determine if you’re overpaying for car insurance.
Cost of car insurance by state
The average cost of a full-coverage car insurance policy nationally is $1,984 a year, while the average cost for a minimum-coverage policy is $777.
Average car insurance rates by state
| State | Full coverage | Minimum coverage |
|---|---|---|
| Alabama | $1,979 | $717 |
| Alaska | $1,635 | $663 |
| Arizona | $2,683 | $1,079 |
| Arkansas | $1,879 | $622 |
| California | $1,867 | $571 |
| Colorado | $2,542 | $897 |
| Connecticut | $2,346 | $1,088 |
| Delaware | $2,482 | $1,283 |
| Florida | $2,990 | $1,206 |
| Georgia | $1,832 | $790 |
| Hawaii | $1,643 | $609 |
| Idaho | $1,227 | $413 |
| Illinois | $2,109 | $848 |
| Indiana | $1,511 | $533 |
| Iowa | $1,663 | $444 |
| Kansas | $1,991 | $616 |
| Kentucky | $2,295 | $1,183 |
| Louisiana | $2,719 | $948 |
| Maine | $1,100 | $501 |
| Maryland | $2,051 | $1,093 |
| Massachusetts | $2,068 | $757 |
| Michigan | $4,638 | $1,849 |
| Minnesota | $1,884 | $743 |
| Mississippi | $1,796 | $662 |
| Missouri | $1,908 | $686 |
| Montana | $2,174 | $574 |
| Nebraska | $1,909 | $470 |
| Nevada | $2,958 | $1,368 |
| New Hampshire | $1,146 | $537 |
| New Jersey | $2,236 | $1,393 |
| New Mexico | $1,953 | $632 |
| New York | $2,030 | $1,059 |
| North Carolina | $1,305 | $532 |
| North Dakota | $1,858 | $522 |
| Ohio | $1,329 | $532 |
| Oklahoma | $2,119 | $656 |
| Oregon | $2,115 | $1,092 |
| Pennsylvania | $1,861 | $603 |
| Rhode Island | $2,636 | $1,213 |
| South Carolina | $1,808 | $803 |
| South Dakota | $2,016 | $351 |
| Tennessee | $1,554 | $505 |
| Texas | $1,833 | $696 |
| Utah | $2,261 | $989 |
| Vermont | $1,232 | $417 |
| Virginia | $2,110 | $923 |
| Washington | $1,534 | $651 |
| Washington, D.C. | $2,082 | $949 |
| West Virginia | $1,701 | $659 |
| Wisconsin | $1,540 | $503 |
| Wyoming | $1,437 | $370 |
Annual rates are for a 30-year-old male with good credit and a clean driving record. Your rates may vary.
Although minimum-coverage policies are much cheaper, full-coverage policies offer more protection. Minimum coverage, also known as liability-only coverage, only covers injuries and damage to others you cause in a car accident. Full coverage covers all injuries and damage, including to yourself and your vehicle.
States with the most expensive rates
Michigan and Florida are the most expensive states for car insurance. Drivers in states with a lot of accidents often pay higher car insurance rates. Drivers who live in populated areas or areas with a high crime rate also tend to pay higher rates.
Most expensive states for car insurance
| State | Full-coverage average annual premium | Cheapest full-coverage plan | Cheapest full-coverage plan rates |
|---|---|---|---|
| Michigan | $4,638 | USAA* and Progressive | $1,872 / $3,040 |
| Florida | $2,990 | State Farm | $1,956 |
| Nevada | $2,958 | State Farm | $1,438 |
| Louisiana | $2,719 | USAA* and State Farm | $1,723 / $2,628 |
| Arizona | $2,683 | State Farm | $1,497 |
*USAA is only offered to military member and veterans as well as their families
No-fault states
If you live in a no-fault state and are injured in a car accident, you need to contact your insurance company no matter who caused the crash. Your personal injury protection (PIP) coverage will help cover your medical bills.
Car insurance rates can be higher in no-fault states. The following are no-fault states.
- Florida
- Hawaii
- Kansas
- Kentucky
- Massachusetts
- Michigan
- Minnesota
- New Jersey
- New York
- North Dakota
- Pennsylvania
- Utah
In an at-fault state, if you cause a car accident, you are responsible for covering injuries from the other vehicle.
Minimum state car insurance limits
A state’s minimum-coverage requirements for car insurance can also impact how much you pay compared to someone in a different state.
Minimum liability coverage requirements in each state
| State | Liability requirements |
|---|---|
| Alabama | $25,000 bodily injury per person; $50,000 bodily injury per accident; $25,000 per accident for property damage liability |
| Alaska | $50,000 / $100,000 / $25,000 |
| Arizona | $25,000 / $50,000 / $15,000 |
| Arkansas | $25,000 / $50,000 / $25,000 |
| California | $15,000 / $30,000 / $5,000 |
| Colorado | $25,000 / $50,000 / $15,000 |
| Connecticut | $25,000 / $50,000 / $15,000 |
| Delaware | $25,000 / $50,000 / $10,000 |
| Florida | $10,000 per accident for property damage liability |
| Georgia | $25,000 / $50,000 / $25,000 |
| Hawaii | $20,000 / $40,000 / $10,000 |
| Idaho | $25,000 / $50,000 / $15,000 |
| Illinois | $25,000 / $50,000 / $20,000 |
| Indiana | $25,000 / $50,000 / $25,000 |
| Iowa | $20,000 / $40,000 / $15,000 |
| Kansas | $25,000 / $50,000 / $25,000 |
| Kentucky | $25,000 / $50,000 / $25,000 |
| Louisiana | $15,000 / $30,000 / $25,000 |
| Maine | $50,000 / $100,000 / $25,000 |
| Maryland | $30,000 / $60,000 / $15,000 |
| Massachusetts | $20,000 / $40,000 / $5,000 |
| Michigan | $50,000 / $100,000 / $10,000 |
| Minnesota | $30,000 / $60,000 / $10,000 |
| Mississippi | $25,000 / $50,000 / $25,000 |
| Missouri | $25,000 / $50,000 / $25,000 |
| Montana | $25,000 / $50,000 / $20,000 |
| Nebraska | $25,000 / $50,000 / $25,000 |
| Nevada | $25,000 / $50,000 / $20,000 |
| New Hampshire* | $25,000 / $50,000 / $25,000 |
| New Jersey | $25,000/ $50,000 / $25,000 |
| New Mexico | $25,000 / $50,000 / $10,000 |
| New York | $25,000 / $50,000 / $10,000 |
| North Carolina | $30,000 / $60,000 / $25,000 |
| North Dakota | $25,000 / $50,000 / $25,000 |
| Ohio | $25,000 / $50,000 / $25,000 |
| Oklahoma | $25,000 / $50,000 / $25,000 |
| Oregon | $25,000 / $50,000 / $20,000 |
| Pennsylvania | $15,000 / $30,000 / $5,000 |
| Rhode Island | $25,000 / $50,000 / $25,000 |
| South Carolina | $25,000 / $50,000 / $25,000 |
| South Dakota | $25,000 / $50,000 / $25,000 |
| Tennessee | $25,000 / $50,000 / $15,000 |
| Texas | $30,000 / $60,000 / $25,000 |
| Utah | $25,000 / $65,000 / $15,000 |
| Vermont | $25,000 / $50,000 / $10,000 |
| Virginia* | $30,000 / $60,000 / $20,000 |
| Washington | $25,000 / $50,000 / $10,000 |
| Washington, D.C. | $25,000 / $50,000 / $10,000 |
| West Virginia | $25,000 / $50,000 / $25,000 |
| Wisconsin | $25,000 / $50,000 / $10,000 |
| Wyoming | $25,000 / $50,000 / $20,000 |
*Car insurance is not required in state
Some states require other types of car insurance coverage, too, such as uninsured motorist coverage, underinsured motorist coverage, medical payments coverage or personal injury protection.
What happens to my car insurance when I move states?
You need to get a new insurance policy when you move to another state. Contact your current insurance company to see if they offer policies in that state. If they don’t, you will need to switch companies.
Your car insurance rate may go up or down depending on where you move. Shop around and compare quotes from several companies before you buy a new policy.
Methodology
Car insurance rates were obtained from Quadrant Information Services for the largest insurance companies in every U.S. state and the District of Columbia. Unless otherwise mentioned, the following were used:
- Minimum-liability rates include personal injury protection and/or uninsured motorist coverage where required by state law.
- Prices reflect insurance for a 30-year-old male driver with good credit and a clean driving record.
- Rates are provided for comparative purposes only. Your rates may vary.