Guide 50 States
Car Insurance Costs by State
Car insurance premiums vary enormously by state — from under $1,200/year to over $3,000/year. Factors include state regulations, litigation costs, weather, traffic density, and minimum coverage requirements.
Verified Data
Ranked by Avg Annual Premium
Editorially Reviewed
Updated
Key Takeaways
- Maine ranks #1 with the lowest avg annual premium at $1,240.
- Louisiana ranks last at $2,840 — the highest among all states.
- The top 5 states are Maine, Iowa, New Hampshire, Idaho, Vermont.
- All data is sourced from verified government databases and updated for 2026.
Top 3 States
1
Maine
Lowest Avg Annual Premium
Avg Annual Premium $1,240
COL Index 109.4
3
New Hampshire
Lowest Avg Annual Premium
Avg Annual Premium $1,290
COL Index 112.6
All 50 States Ranked
Lowest to highest by avg annual premium
Scroll horizontally to see all columns
| # | State | Avg Annual Premium | COL Index | Calculator |
|---|---|---|---|---|
| 1 | Maine | $1,240 | 109.4 | Car Insurance Calculator |
| 2 | Iowa | $1,280 | 90.1 | Car Insurance Calculator |
| 3 | New Hampshire | $1,290 | 112.6 | Car Insurance Calculator |
| 4 | Idaho | $1,310 | 97.7 | Car Insurance Calculator |
| 5 | Vermont | $1,310 | 114.5 | Car Insurance Calculator |
| 6 | North Dakota | $1,350 | 92.5 | Car Insurance Calculator |
| 7 | Ohio | $1,350 | 90.8 | Car Insurance Calculator |
| 8 | Wisconsin | $1,360 | 93.3 | Car Insurance Calculator |
| 9 | Hawaii | $1,380 | 193.3 | Car Insurance Calculator |
| 10 | Indiana | $1,420 | 90.5 | Car Insurance Calculator |
| 11 | South Dakota | $1,420 | 92.6 | Car Insurance Calculator |
| 12 | Wyoming | $1,420 | 95.2 | Car Insurance Calculator |
| 13 | Virginia | $1,430 | 103.7 | Car Insurance Calculator |
| 14 | Utah | $1,450 | 101.3 | Car Insurance Calculator |
| 15 | New Mexico | $1,480 | 94.6 | Car Insurance Calculator |
| 16 | Montana | $1,510 | 101.6 | Car Insurance Calculator |
| 17 | Alaska | $1,520 | 125.9 | Car Insurance Calculator |
| 18 | Nebraska | $1,520 | 90.8 | Car Insurance Calculator |
| 19 | West Virginia | $1,520 | 84.1 | Car Insurance Calculator |
| 20 | North Carolina | $1,540 | 95.1 | Car Insurance Calculator |
| 21 | Kansas | $1,610 | 86.3 | Car Insurance Calculator |
| 22 | Massachusetts | $1,620 | 135 | Car Insurance Calculator |
| 23 | Minnesota | $1,620 | 96.8 | Car Insurance Calculator |
| 24 | Oregon | $1,620 | 113.1 | Car Insurance Calculator |
| 25 | Pennsylvania | $1,640 | 98.7 | Car Insurance Calculator |
| 26 | Tennessee | $1,640 | 89.7 | Car Insurance Calculator |
| 27 | Arkansas | $1,680 | 89 | Car Insurance Calculator |
| 28 | Delaware | $1,680 | 101.5 | Car Insurance Calculator |
| 29 | Washington | $1,680 | 110.7 | Car Insurance Calculator |
| 30 | Missouri | $1,700 | 89.8 | Car Insurance Calculator |
| 31 | Rhode Island | $1,740 | 107.8 | Car Insurance Calculator |
| 32 | South Carolina | $1,770 | 95 | Car Insurance Calculator |
| 33 | Alabama | $1,780 | 88.1 | Car Insurance Calculator |
| 34 | Mississippi | $1,780 | 83.3 | Car Insurance Calculator |
| 35 | Illinois | $1,840 | 96.4 | Car Insurance Calculator |
| 36 | Maryland | $1,840 | 115.4 | Car Insurance Calculator |
| 37 | New Jersey | $1,920 | 115.2 | Car Insurance Calculator |
| 38 | Connecticut | $1,950 | 112.8 | Car Insurance Calculator |
| 39 | Georgia | $1,980 | 93.4 | Car Insurance Calculator |
| 40 | Kentucky | $1,980 | 90.3 | Car Insurance Calculator |
| 41 | Colorado | $2,050 | 105.1 | Car Insurance Calculator |
| 42 | Oklahoma | $2,050 | 86.6 | Car Insurance Calculator |
| 43 | Arizona | $2,120 | 102.2 | Car Insurance Calculator |
| 44 | Texas | $2,150 | 93.9 | Car Insurance Calculator |
| 45 | Nevada | $2,240 | 104.2 | Car Insurance Calculator |
| 46 | California | $2,290 | 142.2 | Car Insurance Calculator |
| 47 | New York | $2,340 | 123.8 | Car Insurance Calculator |
| 48 | Michigan | $2,470 | 91.4 | Car Insurance Calculator |
| 49 | Florida | $2,560 | 102.8 | Car Insurance Calculator |
| 50 | Louisiana | $2,840 | 91.1 | Car Insurance Calculator |
Methodology
How we collected and ranked the data
Average annual premiums from Insurance Information Institute and state insurance department filings. Rates reflect full coverage (liability + collision + comprehensive) for average drivers.
Government data sources
Updated annually
Editorially reviewed
Frequently Asked Questions
Which state has the cheapest car insurance?
Maine, Vermont, and Idaho typically have the lowest average car insurance premiums, often under $1,300/year.
Why is car insurance so expensive in some states?
States with high premiums (Michigan, Louisiana, Florida) often have no-fault insurance laws, high litigation rates, extreme weather, or dense urban traffic.