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.
- North Dakota ranks #1 with the lowest avg annual premium at $808.
- Florida ranks last at $1,865 — the highest among all states.
- The top 5 states are North Dakota, Maine, Idaho, Iowa, Hawaii.
- The ranking basis, source limitations, and calculation method are documented in the Methodology section below.
Top 3 States
All 50 States Ranked
Lowest to highest by avg annual premium
| # | State | Avg Annual Premium | COL Index | Calculator |
|---|---|---|---|---|
| 1 | North Dakota | $808 | 92.5 | Car Insurance Calculator |
| 2 | Maine | $856 | 109.4 | Car Insurance Calculator |
| 3 | Idaho | $864 | 97.7 | Car Insurance Calculator |
| 4 | Iowa | $873 | 90.1 | Car Insurance Calculator |
| 5 | Hawaii | $888 | 193.3 | Car Insurance Calculator |
| 6 | Vermont | $893 | 114.5 | Car Insurance Calculator |
| 7 | Wisconsin | $922 | 93.3 | Car Insurance Calculator |
| 8 | North Carolina | $925 | 95.1 | Car Insurance Calculator |
| 9 | Indiana | $926 | 90.5 | Car Insurance Calculator |
| 10 | South Dakota | $937 | 92.6 | Car Insurance Calculator |
| 11 | Ohio | $947 | 90.8 | Car Insurance Calculator |
| 12 | Wyoming | $948 | 95.2 | Car Insurance Calculator |
| 13 | Kansas | $973 | 86.3 | Car Insurance Calculator |
| 14 | Montana | $975 | 101.6 | Car Insurance Calculator |
| 15 | Nebraska | $981 | 90.8 | Car Insurance Calculator |
| 16 | New Hampshire | $987 | 112.6 | Car Insurance Calculator |
| 17 | Kentucky | $1,046 | 90.3 | Car Insurance Calculator |
| 18 | Tennessee | $1,050 | 89.7 | Car Insurance Calculator |
| 19 | Arkansas | $1,051 | 89 | Car Insurance Calculator |
| 20 | West Virginia | $1,063 | 84.1 | Car Insurance Calculator |
| 21 | Alabama | $1,081 | 88.1 | Car Insurance Calculator |
| 22 | New Mexico | $1,082 | 94.6 | Car Insurance Calculator |
| 23 | Oklahoma | $1,084 | 86.6 | Car Insurance Calculator |
| 24 | Minnesota | $1,103 | 96.8 | Car Insurance Calculator |
| 25 | Alaska | $1,113 | 125.9 | Car Insurance Calculator |
| 26 | Virginia | $1,114 | 103.7 | Car Insurance Calculator |
| 27 | Washington | $1,152 | 110.7 | Car Insurance Calculator |
| 28 | Illinois | $1,153 | 96.4 | Car Insurance Calculator |
| 29 | Missouri | $1,155 | 89.8 | Car Insurance Calculator |
| 30 | Pennsylvania | $1,155 | 98.7 | Car Insurance Calculator |
| 31 | Utah | $1,169 | 101.3 | Car Insurance Calculator |
| 32 | Oregon | $1,170 | 113.1 | Car Insurance Calculator |
| 33 | Mississippi | $1,200 | 83.3 | Car Insurance Calculator |
| 34 | California | $1,225 | 142.2 | Car Insurance Calculator |
| 35 | Massachusetts | $1,326 | 135 | Car Insurance Calculator |
| 36 | Arizona | $1,344 | 102.2 | Car Insurance Calculator |
| 37 | South Carolina | $1,367 | 95 | Car Insurance Calculator |
| 38 | Connecticut | $1,394 | 112.8 | Car Insurance Calculator |
| 39 | Texas | $1,429 | 93.9 | Car Insurance Calculator |
| 40 | Michigan | $1,444 | 91.4 | Car Insurance Calculator |
| 41 | Colorado | $1,453 | 105.1 | Car Insurance Calculator |
| 42 | Delaware | $1,462 | 101.5 | Car Insurance Calculator |
| 43 | Nevada | $1,462 | 104.2 | Car Insurance Calculator |
| 44 | Maryland | $1,477 | 115.4 | Car Insurance Calculator |
| 45 | Rhode Island | $1,540 | 107.8 | Car Insurance Calculator |
| 46 | Georgia | $1,555 | 93.4 | Car Insurance Calculator |
| 47 | New Jersey | $1,573 | 115.2 | Car Insurance Calculator |
| 48 | New York | $1,753 | 123.8 | Car Insurance Calculator |
| 49 | Louisiana | $1,754 | 91.1 | Car Insurance Calculator |
| 50 | Florida | $1,865 | 102.8 | 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.
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View all 107 state comparisonsFrequently 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.