Compare car insurance rates by state
Where you live can have a major impact on how much you pay for car insurance.
Maine drivers pay the lowest full-coverage car insurance rates, at an average of $92 a month. Michigan has the highest average full-coverage rates at $387 a month.
Full-coverage car insurance rates by state
State | Average rate | Rank |
Alabama | $1,979 | 29 |
Alaska | $1,532 | 9 |
Arizona | $2,683 | 47 |
Arkansas | $1,879 | 24 |
California | $1,867 | 23 |
Colorado | $2,542 | 45 |
Connecticut | $2,346 | 43 |
Delaware | $2,482 | 44 |
Florida | $2,990 | 50 |
Georgia | $1,832 | 19 |
Hawaii | $1,643 | 14 |
Idaho | $1,227 | 3 |
Illinois | $2,109 | 36 |
Indiana | $1,511 | 8 |
Iowa | $1,663 | 15 |
Kansas | $1,991 | 30 |
Kentucky | $2,295 | 42 |
Louisiana | $2,719 | 48 |
Maine | $1,100 | 1 |
Maryland | $2,051 | 33 |
Massachusetts | $2,068 | 34 |
Michigan | $4,638 | 51 |
Minnesota | $1,884 | 25 |
Mississippi | $1,796 | 17 |
Missouri | $1,908 | 26 |
Montana | $2,174 | 39 |
Nebraska | $1,909 | 27 |
Nevada | $2,958 | 49 |
New Hampshire | $1,146 | 2 |
New Jersey | $2,236 | 40 |
New Mexico | $1,953 | 28 |
New York | $2,030 | 32 |
North Carolina | $1,305 | 5 |
North Dakota | $1,858 | 21 |
Ohio | $1,329 | 6 |
Oklahoma | $2,119 | 38 |
Oregon | $2,115 | 37 |
Pennsylvania | $1,861 | 22 |
Rhode Island | $2,636 | 46 |
South Carolina | $1,808 | 18 |
South Dakota | $2,016 | 31 |
Tennessee | $1,554 | 12 |
Texas | $1,833 | 20 |
Utah | $2,261 | 41 |
Vermont | $1,232 | 4 |
Virginia | $1,598 | 13 |
Washington | $1,534 | 10 |
Washington, D.C. | $2,082 | 35 |
West Virginia | $1,701 | 16 |
Wisconsin | $1,540 | 11 |
Wyoming | $1,437 | 7 |
As for the cheapest liability car insurance — which only covers damage to another person when you’re at fault — South Dakota has the lowest rates, at an average of $29 a month, followed by Wyoming at $31 a month.
Liability car insurance rates by state
State | Average rate | Rank |
Alabama | $717 | 30 |
Alaska | $605 | 18 |
Arizona | $1,079 | 41 |
Arkansas | $622 | 21 |
California | $571 | 15 |
Colorado | $897 | 36 |
Connecticut | $1,088 | 42 |
Delaware | $1,283 | 48 |
Florida | $1,206 | 46 |
Georgia | $790 | 33 |
Hawaii | $609 | 19 |
Idaho | $413 | 3 |
Illinois | $848 | 35 |
Indiana | $533 | 13 |
Iowa | $444 | 5 |
Kansas | $616 | 20 |
Kentucky | $1,183 | 45 |
Louisiana | $948 | 37 |
Maine | $501 | 7 |
Maryland | $1,093 | 44 |
Massachusetts | $757 | 32 |
Michigan | $1,849 | 51 |
Minnesota | $743 | 31 |
Mississippi | $662 | 26 |
Missouri | $686 | 27 |
Montana | $574 | 16 |
Nebraska | $470 | 6 |
Nevada | $1,368 | 49 |
New Hampshire | $537 | 14 |
New Jersey | $1,393 | 50 |
New Mexico | $632 | 22 |
New York | $1,059 | 40 |
North Carolina | $532 | 11 |
North Dakota | $522 | 10 |
Ohio | $532 | 12 |
Oklahoma | $656 | 24 |
Oregon | $1,092 | 43 |
Pennsylvania | $603 | 17 |
Rhode Island | $1,213 | 47 |
South Carolina | $803 | 34 |
South Dakota | $351 | 1 |
Tennessee | $505 | 9 |
Texas | $696 | 28 |
Utah | $989 | 39 |
Vermont | $417 | 4 |
Virginia | $715 | 29 |
Washington | $651 | 23 |
Washington, D.C. | $949 | 38 |
West Virginia | $659 | 25 |
Wisconsin | $503 | 8 |
Wyoming | $370 | 2 |
Compare car insurance quotes by driving history
Drivers with speeding tickets or accidents on their records usually pay more for car insurance than those with clean records.
A speeding ticket on your record raises your car insurance rate by 20%, on average. Among major car insurance companies, State Farm is the cheapest for most drivers with a speeding ticket or similar traffic violation, charging an average rate of $135 a month.
USAA is even cheaper, at $121 a month, but only members of the military and their families can get insurance from USAA.
Car insurance quotes after a speeding ticket
Company | Average rate | Rank |
Allstate | $3,073 | 8 |
American Family | $2,352 | 4 |
Farmers | $4,252 | 9 |
Geico | $2,493 | 5 |
Nationwide | $2,839 | 7 |
Progressive | $2,606 | 6 |
State Farm | $1,616 | 2 |
Travelers | $2,468 | 3 |
USAA* | $1,457 | 1 |
State Farm and USAA are also the cheapest car insurance companies for drivers with an at-fault accident on their records. State Farm’s average quote for drivers after an accident is $154 a month. USAA’s is $138 a month.
Car insurance quotes after an accident
Company | Average rate | Rank |
Allstate | $4,125 | 8 |
American Family | $2,980 | 4 |
Farmers | $4,598 | 9 |
Geico | $3,341 | 5 |
Nationwide | $3,460 | 7 |
Progressive | $3,026 | 6 |
State Farm | $1,843 | 2 |
Travelers | $2,699 | 3 |
USAA* | $1,658 | 1 |
Progressive is the cheapest car insurance company with a DUI (driving under the influence) conviction for most drivers. Progressive’s average quote for these drivers is $212 a month.
Car insurance quotes after a DUI
Company | Average rate | Rank |
Allstate | $3,875 | 5 |
American Family | $3,114 | 4 |
Farmers | $4,758 | 9 |
Geico | $4,584 | 8 |
Nationwide | $4,376 | 6 |
Progressive | $2,547 | 2 |
State Farm | $4,402 | 7 |
Travelers | $2,893 | 3 |
USAA* | $2,252 | 1 |
Compare car insurance quotes for teen drivers
Car insurance rates for teen drivers are usually higher than for older drivers with more experience on the road. This is because younger drivers tend to get into more accidents.
Most teen drivers will get the cheapest car insurance with State Farm. State Farm has the lowest average rates for both liability and full coverage, at $151 and $344 a month, respectively.
Full-coverage car insurance for teen drivers
Company | Full coverage | Rank |
Allstate | $7,668 | 8 |
American Family | $5,413 | 4 |
Farmers | $9,354 | 9 |
Geico | $5,048 | 5 |
Nationwide | $7,743 | 7 |
Progressive | $8,495 | 6 |
State Farm | $4,128 | 2 |
Travelers | $5,758 | 3 |
USAA* | $2,847 | 1 |
Liability car insurance for teen drivers
Company | Liability coverage | Rank |
Allstate | $3,399 | 8 |
American Family | $2,364 | 4 |
Farmers | $4,227 | 9 |
Geico | $2,044 | 3 |
Nationwide | $3,371 | 7 |
Progressive | $3,193 | 6 |
State Farm | $1,811 | 2 |
Travelers | $2,655 | 5 |
USAA* | $1,030 | 1 |