Car insurance rates by state
The table below lists the modal car indemnity rates in each state for both the submit ’ south minimal coverage levels and entire coverage car indemnity, which includes comprehensive examination and collision coverage. Each state ’ second minimum liability car indemnity limits are listed as three numbers separated by a slash, indicating the state ’ s liability coverage requirements for bodily wound liability per person, bodily injury liability per accident and property damage indebtedness per accident. car indemnity rates vary from state to submit since there are a number of factors affecting premiums. Factors might include road conditions, the number of drivers and population of a city, the percentage of uninsured drivers, and any other factors increasing or decreasing the overall risk of drivers, such as claims in the area from at-fault accidents and weather-related incidents .
Alabama car policy costs around the same as the national modal. According to the Reason Foundation ’ s Annual Highway Report, the state ’ s highway system ranks in the middle of the clique, at nineteenth. While Alabama experiences its bonny share of fickle weather and crime, its low life costs helps to moderate car policy costs. Residents might expect to pay around the national average, though, since the average cost of fully coverage in Alabama is $ 1,760 per year for entire coverage .
Alabama city Average annual premium for full coverage Average annual premium for minimum coverage Birmingham, Alabama $1,871 $495 Huntsville, Alabama $1,685 $458 Mobile, Alabama $1,874 $511 Montgomery, Alabama $1,790 $476
Alaska drivers pay slenderly less for their car policy on average than the distinctive american driver. On average, drivers in Alaska spent entirely 7.2 hours in congestion in 2019 – the fifth-least of any U.S. state. While Alaska is known for having sub-par infrastructure, its low monetary value of living and low population density help keep car insurance costs relatively low. The average premium for full coverage in Alaska is around the same as the national average at $ 1,770 per class .
Alaska city Average annual premium for full coverage Average annual premium for minimum coverage Anchorage, Alaska $1,917 $538
Arizona drivers typically pay round $ 28 less per year for fully coverage car insurance than the home average. Arizona ’ sulfur roadways rank middle-of-the-road, and the department of state ’ s cost of living is modal. Arizona drivers spend an modal of 30.1 hours in traffic due to congestion, which is about average for the U.S. together, these factors probably contribute to Arizona ’ south car policy rates being on equality with the national average .
average Arkansas full coverage cable car policy rates are $ 35 more per year than the national average, which could be due, in part, to Arkansas ranking one-fourth for the highest crime rate in the area, according to USA Today. In addition, the Natural State ranks fifth for states with worst upwind. One factor that may be preventing Arkansas car indemnity levels from skyrocketing is that the state has the second-lowest monetary value of surviving .
Arkansas city Average annual premium for full coverage Average annual premium for minimum coverage Dardanelle, Arkansas $1,746 $379 Little Rock, Arkansas $1,928 $543
Full coverage car policy in California typically costs $ 419 more per year than the national average. high indemnity costs in the Golden State could be due to California ’ s sky-high price of be and the department of state ’ sulfur low-ranking infrastructure. In addition, two of the four metropolitan areas with the worst congestion are located in California, according to a USA Today psychoanalysis .
Colorado ’ s full coverage car indemnity rates are, on modal, $ 248 higher per class than the remainder of the country. high insurance costs in the express could be related to the state of matter ’ mho poor road conditions. In summation, Coloradans spend an average of 37 hours in congestion per year, which is six hours more than the national average .
cable car insurance in Connecticut costs $ 238 less per class for full coverage than the stay of the area, on average. Connecticut ranks in the circus tent five states with the highest population concentration. In addition, Connecticut drivers spend an average of 38 hours per class in urbanize area traffic congestion. While the state of matter has a moo crime rate, Connecticut has the eighth-highest monetary value of survive in the country, which contributes to high insurance rates .
Delaware ’ sulfur average annual full coverage cable car policy rates are $ 192 more than the national average. Delaware drivers spend over 100 hours in urbanized traffic congestion per year – the most of any state. The cost of know in Delaware is besides slightly higher than the national average cost of life. Delaware besides has the sixth-highest population concentration of any submit. in concert, these characteristics contribute to the higher monetary value of indemnity .
Florida has one of the highest modal annual full coverage car policy rates in the country, clocking in at $ 991 higher than the national median. high premiums could be due to diverse factors in this region. For exemplify, Floridians spend 40.4 hours in congestion per year, which is around 10 hours more than average. Florida besides ranks eighth in highest population density, which can contribute to crowded roads and accidents, according to Statista. The submit besides ranks third for the most deadly car accidents .
Georgia full coverage car indemnity costs about $ 214 more than the national average per year. high car insurance rates in Georgia could be due in depart to the hapless discipline of infrastructure in the state. Georgians besides spend 42 hours in urbanize area traffic per year, which is around 10 hours more than modal and can lead to traffic accidents. Georgia has the fourth most fatal car accidents of any department of state, according to World Population Review .
Georgia city Average annual premium for full coverage Average annual premium for minimum coverage Athens, Georgia $1,824 $548 Atlanta, Georgia $2,215 $752 Savannah, Georgia $1,981 $670 Macon, Georgia $2,024 $650
Despite Hawaii having the highest monetary value of animation of any submit, car indemnity in the state is relatively cheap. Full coverage car indemnity in the Aloha State costs $ 565 less than the national median per year. hawaiian drivers spend the fourth-fewest hours in urbanize area commuter dealings per class, according to a Reason Foundation study. Honolulu, Hawaii is besides known for its effective public transit organization, which allows residents to travel without using their cars. Hawaii besides has fewer licensed drivers than 42 other states, according to Statista, which could contribute to lower car indemnity rates .
Idaho ’ second average annual entire coverage car policy rates are some of the cheapest in the area, coming in $ 706 cheaper than the national average. car policy rates in Idaho remain depleted due to the country ’ s low population density, humble number of accredited drivers and highly-ranked infrastructure. Of any state in the U.S., Idaho drivers besides spend the fewest hours in urbanize traffic congestion, which could contribute to moo car policy rates .
Idaho city Average annual premium for full coverage Average annual premium for minimum coverage Idaho Falls, Idaho $1,104 $283
Illinois drivers pay $ 223 less per year for full coverage cable car policy than the home average. Illinois sits in the middle of the pack when it comes to monetary value of animation and crime rate. Illinois residents may save on their cable car insurance due to the country ranking one-tenth in best populace fare .
Indiana drivers pay an average of $ 529 less per year than the national average for full coverage car insurance. Indiana residents may pay less for their car policy due to the express ’ s low cost of life. Indiana ranks above average in urban highway fatality rate and urban paving condition, according to a Reason Foundation survey .
In Iowa, drivers spend an average of $ 517 less per year for full coverage policy than the national modal. gloomy vehicle maintenance costs, a low cost of be and gloomy population density may contribute to abject indemnity costs. In accession, Iowa drivers spend less time in traffic on their commute than drivers in 48 other states, which may help reduce policy costs .
Iowa city Average annual premium for full coverage Average annual premium for minimum coverage Des Moines, Iowa $1,268 $288
Kansas drivers pay lone $ 31 more per year than the national annual modal for full coverage car indemnity. The state ranks in the in-between of the pack for fatality rate, population concentration and count of license drivers – which may be why the state ’ mho average rate for car indemnity is indeed close to the national average .
Kansas city Average annual premium for full coverage Average annual premium for minimum coverage Topeka, Kansas $1,759 $426 Wichita, Kansas $1,913 $489
Kentucky drivers typically spend $ 183 more per year on their wax coverage car policy than the national average. high car indemnity rates in the Bluegrass State may be high due to exceptionally gamey fatality rates on state roadways in addition to a high crime rate .
Kentucky city Average annual premium for full coverage Average annual premium for minimum coverage Lexington, Kentucky $1,636 $594 Louisville, Kentucky $2,254 $859 Somerset, Kentucky $2,012 $645
Louisiana ’ randomness average annual broad coverage car insurance rates are sky-high, coming in at $ 1,093higher than the national average. cable car policy in Louisiana may be expensive because of the express ’ sulfur high crime rate, high fatality rate on submit roadways, high issue of hours spent in urbanized congestion per commuter and dangerous upwind patterns .
Full coverage car insurance in Maine costs around $ 895 less per year than the national average. cheap car insurance in the Pine Tree State may be due to the submit ’ s low population density, low fatality rate on state roadways, humble issue of license drivers and low cost of exist .
In general, Maryland drivers pay $ 160 more per year than the home average for their full coverage car policy. Maryland residents may pay more due to the senior high school rate of traffic congestion in urbanize areas of the state. In addition, Maryland ’ mho infrastructure is worse than 40 other states, according to a Reason Foundation survey .
Maryland city Average annual premium for full coverage Average annual premium for minimum coverage Baltimore, Maryland $2,271 $1,049
Despite Massachusetts ’ high cost of be, structurally deficient infrastructure and high roadway fatality rate, drivers in the Bay State typically pay $ 475 less per class than the national average for broad coverage cable car indemnity. One cause for depleted indemnity costs could be that Massachusetts lays claim to the eighth-best public transportation system system in the nation, which encourages citizens to use public exile preferably than their cars .
Massachusetts city Average annual premium for full coverage Average annual premium for minimum coverage Boston, Massachusetts $1,555 $507 Brockton, Massachusetts $2,019 $759 Worcester, Massachusetts $1,594 $556
If you ’ rhenium looking for car indemnity in the Great Lakes State, you may have to pay a steep price. Michiganders by and large pay $ 574 more per year for their full moon coverage cable car indemnity than other U.S. drivers on average. car policy rates in Michigan may be specially high due to Michigan ’ south eminent crime rate and gamey black crash rate. The country besides has more rigorous car policy coverage requirements than many early states and precludes car policy companies from using respective standard non-driving rate factors, such as citation evaluation and ZIP code, when calculating premiums .
In Minnesota, drivers typically spend around the like come for wide coverage car policy as the national average. Since Minnesota ranks middle-of-the-road for price of living, infrastructure choice, population density and number of accredited drivers, state of matter car insurance rates remain average .
Minnesota city Average annual premium for full coverage Average annual premium for minimum coverage Minneapolis, Minnesota $1,823 $725
Drivers in Mississippi typically pay around the same as the national average for full coverage car insurance, but areas with high congestion may experience more expensive rates. Mississippi has the highest rate of car accident deaths per 100,000 people, which probable contributes to the state ’ sulfur higher than average rates. Mississippi ’ s dangerous upwind patterns could besides partially account for the spike .
Mississippi city Average annual premium for full coverage Average annual premium for minimum coverage Jackson, Mississippi $1,862 $522
Missouri ’ sulfur average annual full coverage car insurance rates are around $ 90 above the national average. These modal rates are no surprise, since the state ranks in the middle of the throng when it comes to fateful crashes, population density, number of accredited drivers and hours spent sitting in traffic .
Missouri city Average annual premium for full coverage Average annual premium for minimum coverage Kansas City, Missouri $2,022 $560
Montana residents typically pay about $ 24 more per year than the average american for their full coverage car insurance. Montana ranks middle of the road in crime pace, infrastructure, cost of surviving and fatal car accident statistics. If you ’ rhenium looking for cable car insurance in Montana, you ’ ll be required to carry at least 25/50/20 to comply with the state of matter ’ s minimum indebtedness requirements .
In argumentation with Nebraska ’ s depleted price of living and low population density, the state ’ s drivers pay $ 233 less per class compared to the national average for full coverage car insurance. When shopping for cable car insurance in Nebraska, keep in beware that the submit requirements for liability are at least $ 25,000 bodily injury per person, $ 50,000 bodily injury per accident and $ 25,000 property damage per accident.
Nebraska city Average annual premium for full coverage Average annual premium for minimum coverage Lincoln, Nebraska $1,363 $386 Omaha, Nebraska $1,598 $449
Nevadans pay closely $ 655 more per year on average for their full coverage car policy than the average american. These high rates could be due in contribution to Nevada ’ s high monetary value of exist and high rural highway fatality rate. In addition, Nevada ranks one-third in most dangerous weather patterns .
Nevada city Average annual premium for full coverage Average annual premium for minimum coverage Henderson, Nevada $2,505 $896 Elko, Nevada $1,588 $461 Las Vegas, Nevada $2,883 $1,044 Reno, Nevada $1,836 $596
New Hampshire drivers typically pay importantly less for their car indemnity than the average american. gloomy policy rates could be partially due to the state ’ s first gear crime rate and thoroughly rural and urban road conditions. Keep in take care that New Hampshire does not have minimum liability car indemnity requirements .
Drivers in the Garden State sit in traffic congestion in urbanize areas for an modal of 40 hours per class. This roadway congestion, paired with a high gear crime rate and the highest population concentration of any state reach for higher than average car insurance premiums .
New Jersey city Average annual premium for full coverage Average annual premium for minimum coverage Jersey City, New Jersey $2,371 $1,038 Newark, New Jersey $2,683 $1,161 Paterson, New Jersey $2,613 $1,160
New Mexico drivers pay around $ 282 less for their wax coverage car policy per class than the national modal. New Mexico has the fifth-lowest monetary value of know and low population density, which could both contribute to the lower-than-average price of car indemnity in the submit .
New Mexico city Average annual premium for full coverage Average annual premium for minimum coverage Albuquerque, New Mexico $1,621 $411 Farmington, New Mexico $1,315 $295
With the highest modal costs for minimum coverage car insurance and full coverage car indemnity in the nation, New York drivers typically pay importantly more for car policy than the average U.S. driver. The state ’ randomness high indemnity rates are largely due to the high phone number of deceitful insurance claims made each year, in summation to its over 11 million file vehicles, causing traffic to be dense with a higher likelihood of collision .
North Carolinians typically pay $ 379 less per year for their fully coverage car insurance than the national average. North Carolina ’ sulfur senior high school ranking in urban road condition, mild weather and fairly low cost of living could contribute to these lower-than-average rates .
North Dakota typically drivers pay $ 546 less for their full coverage car insurance per year than the average american driver. North Dakota ranked first gear in overall highway performance and cost-effectiveness in the Reason Foundation ’ s highway analyze. The state of matter besides has one of the lowest instances of black crashes, lowest population densities and lowest number of accredited drivers in the United States .
North Dakota city Average annual premium for full coverage Average annual premium for minimum coverage Fargo, North Dakota $1,047 $298 South Heart, North Dakota $1,282 $268
Despite having a big driving population and increasing likelihood of motor vehicle accidents and injury, Ohio is actually one of the cheapest states for wide coverage car policy on average, with drivers paying about $ 1,034 per year. The lower monetary value of coverage may in region be due to Ohio ’ s mix of rural and suburban roads, helping to break up what may otherwise be a heavy assiduity of traffic, which can lead to more road risk .
Despite Oklahoma having the second-lowest price of living in the United States, Oklahoma drivers typically pay about $ 131 more per year for wax coverage car insurance than the national average. Car policy may be more expensive in the Sooner State due to the high crime rate, dangerous weather and high number of structurally-deficient bridges .
Oklahoma city Average annual premium for full coverage Average annual premium for minimum coverage Broken Arrow, Oklahoma $1,973 $468 Oklahoma City, Oklahoma $2,059 $478 Tulsa, Oklahoma $2,069 $484
Despite Oregon ’ s high cost of living, drivers in the state pay an average of $ 400 less per year than the home average for their full coverage car policy. relatively low-cost insurance rates in the Beaver State could be ascribable to the department of state ’ s low population concentration, mild weather and shipshape rural and urban roads .
Pennsylvania has a high rate of traffic fatalities, inadequate infrastructure and high population density, resulting in car policy that may be more expensive than other states. Residents pay about $ 231 more per year on modal for fully coverage car indemnity than the national average .
Pennsylvania city Average annual premium for full coverage Average annual premium for minimum coverage Allentown, Pennsylvania $1,756 $400 Philadelphia, Pennsylvania $3,300 $752 Pittsburgh, Pennsylvania $1,840 $398
Rhode Island residents pay around $ 76 more per year on average for full coverage cable car indemnity than the respite of the state. The state ranks lower than 45 early states in highway performance and effectiveness. In summation, Rhode Island has a high cost of support, which may contribute to the gamey price of car insurance due to increase costs for car animate .
Compared to other U.S. drivers. South Carolina ’ s highly-ranked highways, gloomy cost of living, depleted population density and mild weather may contribute to low-cost average car insurance rates in the Palmetto State .
Drivers in the Mount Rushmore State spend around an calculate $ 229 less than the national average for full coverage car indemnity. In South Dakota, drivers are required to carry at least the minimum limits for bodily injury and property price, american samoa well as uninsured motorist bodily injury and place damage .
Tennessee drivers typically pay about $ 388 less per year for wax coverage car insurance than the average american. The Volunteer State ranks seventh in best highway performance and has the sixth-lowest cost of live, both factors which may contribute to the state of matter ’ s relatively low cost of car policy .
Texas drivers generally pay around $ 97 more for full moon coverage car policy per year than the national average. While the country claims median rankings in cost of live, crime pace and highway performance, Texas ranks first for most fateful car accidents, which could contribute to higher average car insurance premiums .
Drivers in the Beehive State pay an modal of $ 322 less per year for wax coverage car insurance than drivers in the rest of the area. Utah has a low crime rate and a low count of black crashes each class – both factors which may contribute to lower average car indemnity premiums in the state.
|Utah city||Average annual premium for full coverage||Average annual premium for minimum coverage|
|Salt Lake City, Utah||$1,442||$622|
Vermont drivers pay an average of $ 771 less per class for full coverage car policy than the national average. Vermont has one of the lowest crime rates in the nation, relatively few black crashes and a low number of accredited drivers. These factors may contribute to cheaper average car policy costs in the country .
Virginia residents spend an average of $ 431 less per year on full coverage car insurance than other drivers in the U.S. Virginia has one of the lowest crime rates in the nation, and the Old Dominion state ranks in the in-between of the pack in terms of cost of living, highway operation and population concentration. Keep in mind that the commonwealth does not have minimal liability insurance requirements for its citizens. still, it ’ s a good mind to purchase car policy to protect your finances in the event of an accident .
Despite the country ’ south high price of live, Washington residents spend about $ 458 less per class on full coverage cable car indemnity than the national average. Washington experiences relatively few fatal crashes each year compared to other states. In addition, the state has low population density and mild weather patterns, which could contribute to relatively low-cost car indemnity in the state .
The average annual monetary value of broad coverage car indemnity in Washington, D.C. is $ 177 more expensive than the national average for several reasons. The nation ’ second capital has a population density round ten-spot times higher than any state, which contributes to congestion and likely car accidents. In addition, the District has the second-highest monetary value of survive in the United States, which can drive up the average cost of cable car insurance premiums due to higher costs for car rectify .
West Virginia residents typically spend $ 244 less per year on their wax coverage car policy than the national average. west Virginians may spend less on their car insurance due to the state ’ s low crime rate, moo cost of be and low number of license drivers .
Wisconsin drivers pay $ 522 less per year on average than other drivers in the U.S. for full coverage car policy. Wisconsin has one of the lowest population densities in the country, at precisely six people per square mile. The express besides has a gloomy crime rate and a low cost of living. together, these factors may account for the lower-than-average premiums in the Badger State .
Wisconsin city Average annual premium for full coverage Average annual premium for minimum coverage Green Bay, Wisconsin $1,028 $322 Kenosha, Wisconsin $1,239 $437 Madison, Wisconsin $1,107 $340 Milwaukee, Wisconsin $1,611 $535
In general, Wyoming drivers pay $ 261 less per class than the national average for full coverage car insurance. Wyoming has a low crime rate, little traffic congestion, a broken cost of living and a humble population density – all factors which may contribute to lower average car indemnity premiums in the state .
Another factor impacting your car policy pace is how your department of state handles car insurance in relative to car accidents. Some states are considered no-fault states, while others are at-fault states, or tort states. Contrary to what some believe, living in a no-fault state does not mean that no one is considered at fault in an accident. No-fault refers to how your or the early driver ’ mho car policy kicks in when there is an accident, specifically related to medical expenses. Below is a tilt of the no-fault states :
- New Jersey
- New York
- North Dakota
In a no-fault state, each party must first file a title with their own cable car insurance to help cover any checkup expenses after an accident, regardless of who caused the crash. Drivers in a no-fault express are typically required to carry a certain amount of Personal Injury Protection ( PIP ) to help cover these medical costs. No-fault states can hush determine liability after an accident and the creditworthy party could be liable for place damage and medical expenses that exceed a certain doorway, depending on the express. In at-fault or tort states, the driver responsible for the doss ( or their car indemnity party ) compensates the other driver for their losses, including bodily injury and property price, and the not-at-fault driver is not required to file a claim for their medical expenses with their own car insurance company. PIP coverage does not include coverage for property damage. While no-fault states typically require that drivers carry a certain charge of PIP coverage to help pay for their medical expenses, the like does not normally apply for property damage. alternatively, property damage from a cable car accident in most no-fault states is handled similarly to place damage in at-fault states, where the at-fault driver ’ s insurance is responsible for covering any property wrong. Michigan is the exception, as its department of insurance requires drivers to carry property protection indemnity with a coverage restrict of $ 1 million dollars to cover any property damaged by a driver in a car accident .
Frequently asked questions
- Your car indemnity pace may be calculated using several factors such as senesce, drive record, claims record and the hold and model of your vehicle. You may be able to qualify for special discounts such as multi-policy, scholar or safe-driving deals to help lower your car policy premium .
- A tort department of state is a state that follows “ at-fault ” insurance laws. In a tort state, the driver considered at demerit for a crash is responsible for paying for the damages they caused and the not-at-fault driver does not have to file a claim with their insurance company. Some no-fault states, like Kentucky, besides have tort options that limit or allow parties to file lawsuits for their medical expenses .
- Most states require some form of car indemnity. Though some states do not technically require it, every express requires you to meet sealed fiscal duty thresholds set by the state to prove that you can cover the cost of an accident. however, because having expensive assets — like a firm — is probable not an ideal tradeoff in covering a car insurance claim, insurance experts broadly recommend purchasing car policy to keep yourself financially protected .
- many states have conditions that could factor into higher car insurance premiums, making drivers in these areas riskier to insure. For case, some areas have more weather-related insurance claims, vehicle thefts or collisions, contributing to higher car insurance premiums. With more drivers on the road in 2021 than in 2020, the number of claims returning to pre-pandemic levels and compensate and undertaking costs have besides increased. It ’ s probably 2022 rates will be on the rise due to these factors .
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean drive record, good accredit and the pursue wide coverage limits :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimal coverages that meet each express ’ s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a workweek and drive 12,000 miles per annum.
These are sample rates and should be used for relative purposes alone. Your quotes may be different .