Best car insurance companies by state

Compare the best car insurance companies by state

Car insurance isn’t one-size-fits-all, but there are ways to determine if an insurer is right for you. While low rates are important, you also need to know that your insurance company has good customer service and can pay any possible future claims.

There’s a lot that goes into picking a car insurance company, so we’ve compiled the best car insurance by state to help you get started.

However, not all insurance companies and coverages are available in every state. Since there are numerous differences, it’s essential to compare car insurance by state.

State	Company	AM Best	JD Power Rating	NAIC	Average Annual premium	Overall Score
Alaska	GEICO	A++	637	0.69	$1,338	4.71
Alaska	State Farm	A++	656	0.79	$1,713	4.39
Alaska	Progressive	A+	607	0.71	$1,742	3.62
Alaska	Allstate	A+	626	1.1	$2,114	2.96
Alaska	USAA	A++	743	1.18	$1,166	4.5
Alabama	Nationwide	A	669	0.63	$1,345	4.61
Alabama	State Farm	A++	673	0.79	$1,790	4.34
Alabama	Travelers	A++	642	0.52	$1,428	4.32
Alabama	GEICO	A++	651	0.69	$1,625	4.17
Alabama	Auto-Owners	A+	650	0.54	$2,134	3.78
Alabama	Farmers	A	676	0.86	$2,542	3.54
Alabama	Progressive	A+	637	0.71	$2,402	3.17
Alabama	Allstate	A+	634	1.1	$2,178	2.97
Alabama	USAA	A++	759	1.18	$1,458	4.4
Arkansas	Shelter Insurance	A	677	0.43	$1,690	4.69
Arkansas	Travelers	A++	613	0.52	$1,442	4.18
Arkansas	Nationwide	A	628	0.63	$1,503	4.08
Arkansas	State Farm	A++	647	0.79	$2,060	4.03
Arkansas	GEICO	A++	622	0.69	$1,794	3.96
Arkansas	Progressive	A+	638	0.71	$2,431	3.7
Arkansas	Farmers	A	622	0.86	$2,248	3.42
Arkansas	Allstate	A+	629	1.1	$2,729	3.13
Arkansas	USAA	A++	759	1.18	$1,090	4.5
Arizona	Auto-Owners	A+	659	0.54	$1,539	4.68
Arizona	GEICO	A++	618	0.69	$1,312	4.53
Arizona	Travelers	A++	565	0.52	$1,489	4.08
Arizona	Nationwide	A	618	0.63	$1,726	4
Arizona	Progressive	A+	614	0.71	$1,903	3.81
Arizona	State Farm	A++	646	0.79	$2,233	3.76
Arizona	Allstate	A+	633	1.1	$2,215	3.32
Arizona	Farmers	A	599	0.86	$2,331	3.06
Arizona	USAA	A++	733	1.18	$1,581	4.24
California	GEICO	A++	626	0.69	$1,919	4.71
California	Progressive	A+	635	0.71	$2,179	4.44
California	Auto Club Enterprises (AAA)	A+	684	1.16	$2,466	4.35
California	Mercury Insurance	A	596	1.41	$2,031	4.2
California	State Farm	A++	658	0.79	$2,701	4.15
California	Allstate	A+	634	1.1	$2,627	3.98
California	CSAA Insurance (AAA)	A	642	1.05	$2,600	3.96
California	Nationwide	A	627	0.63	$2,799	3.77
California	Farmers	A	617	0.86	$3,035	3.48
California	Kemper	A-	528	4.21	$2,429	3.04
California	USAA	A++	747	1.18	$1,827	4.92
Colorado	State Farm	A++	646	0.79	$1,950	4.4
Colorado	GEICO	A++	618	0.69	$1,445	4.35
Colorado	Auto-Owners	A+	659	0.54	$2,874	4.3
Colorado	Progressive	A+	614	0.71	$2,796	3.62
Colorado	Allstate	A+	633	1.1	$2,774	3.52
Colorado	Farmers	A	599	0.86	$3,578	2.88
Colorado	USAA	A++	733	1.18	$1,559	4.45
Connecticut	GEICO	A++	638	0.69	$1,242	4.51
Connecticut	State Farm	A++	664	0.79	$1,733	4.18
Connecticut	Progressive	A+	620	0.71	$1,708	3.91
Connecticut	Amica	A+	709	0.75	$2,516	3.84
Connecticut	Allstate	A+	646	1.1	$2,195	3.23
Connecticut	Farmers	A	600	0.86	$2,192	3.13
Connecticut	USAA	A++	741	1.18	$606	4.5
Washington, D.C.	Erie Insurance	A+	713	0.89	$1,581	4.57
Washington, D.C.	GEICO	A++	647	0.69	$1,408	4.38
Washington, D.C.	Progressive	A+	624	0.71	$1,488	4.05
Washington, D.C.	State Farm	A++	652	0.79	$2,426	3.88
Washington, D.C.	Nationwide	A	642	0.63	$2,558	3.75
Washington, D.C.	Allstate	A+	624	1.1	$3,769	2.67
Washington, D.C.	USAA	A++	743	1.18	$1,230	4.5
Delaware	GEICO	A++	647	0.69	$1,695	4.64
Delaware	State Farm	A++	652	0.79	$2,153	4.51
Delaware	Nationwide	A	642	0.63	$1,498	4.47
Delaware	Travelers	A++	628	0.52	$1,595	4.32
Delaware	Progressive	A+	624	0.71	$1,999	3.81
Delaware	Allstate	A+	624	1.1	$3,631	2.84
Delaware	USAA	A++	743	1.18	$1,463	4.5
Florida	State Farm	A++	650	0.79	$2,119	4.64
Florida	GEICO	A++	629	0.69	$2,214	4.39
Florida	Travelers	A++	608	0	$2,356	4.38
Florida	Progressive	A+	587	0.71	$2,902	3.37
Florida	Allstate	A+	643	1.1	$3,569	3.34
Florida	Farmers	A	616	0.86	$3,261	3.29
Florida	National General	A+	581	0.67	$3,103	3.18
Georgia	Auto-Owners	A+	650	0.54	$1,529	4.47
Georgia	State Farm	A++	673	0.79	$2,344	4.14
Georgia	GEICO	A++	651	0.69	$2,072	4.02
Georgia	Progressive	A+	637	0.71	$1,656	3.97
Georgia	Allstate	A+	634	1.1	$2,014	3.29
Georgia	USAA	A++	759	1.18	$1,562	4.47
Hawaii	GEICO	A++	618	0.69	$1,184	4.55
Hawaii	Progressive	A+	614	0.71	$1,279	4.26
Hawaii	State Farm	A++	646	0.79	$1,938	3.88
Hawaii	Farmers	A	599	0.86	$1,495	3.46
Hawaii	Allstate	A+	633	1.1	$1,882	3.28
Hawaii	USAA	A++	733	1.18	$1,067	4.5
Iowa	Auto-Owners	A+	663	0.54	$1,461	4.73
Iowa	State Farm	A++	647	0.79	$1,306	4.48
Iowa	Travelers	A++	613	0.52	$1,238	4.25
Iowa	Progressive	A+	638	0.71	$1,589	4.12
Iowa	GEICO	A++	622	0.69	$1,716	3.88
Iowa	Allstate	A+	629	1.1	$2,126	3.25
Iowa	USAA	A++	759	1.18	$1,165	4.5
Idaho	State Farm	A++	656	0.79	$1,120	4.63
Idaho	GEICO	A++	637	0.69	$1,174	4.45
Idaho	Travelers	A++	592	0.52	$1,263	4.01
Idaho	Farmers	A	641	0.86	$1,606	3.88
Idaho	Allstate	A+	626	1.1	$1,945	3.35
Idaho	USAA	A++	743	1.18	$742	4.5
Illinois	Erie Insurance	A+	710	0.89	$1,489	4.25
Illinois	Country Financial	A+	665	0.24	$1,609	4.23
Illinois	GEICO	A++	641	0.69	$1,178	4.13
Illinois	Auto-Owners	A+	646	0.54	$1,426	4.03
Illinois	Travelers	A++	606	0.52	$1,119	4.01
Illinois	State Farm	A++	665	0.79	$1,633	3.98
Illinois	Progressive	A+	648	0.71	$1,412	3.95
Illinois	Allstate	A+	652	1.1	$2,742	3
Illinois	USAA	A++	726	1.18	$1,745	4.07
Indiana	GEICO	A++	641	0.69	$986	4.47
Indiana	Nationwide	A	688	0.63	$1,309	4.47
Indiana	Auto-Owners	A+	646	0.54	$1,188	4.4
Indiana	Travelers	A++	606	0.52	$1,264	4.14
Indiana	State Farm	A++	665	0.79	$1,616	4.1
Indiana	Progressive	A+	648	0.71	$1,480	4.06
Indiana	Indiana Farm Bureau	A	651	0.47	$2,153	3.68
Indiana	Allstate	A+	652	1.1	$2,324	3.15
Indiana	Farmers	A	588	0.86	$1,956	3.05
Indiana	USAA	A++	726	1.18	$783	4.5
Kansas	Shelter Insurance	A	677	0.43	$2,230	4.28
Kansas	Nationwide	A	628	0.63	$1,316	4.11
Kansas	Travelers	A++	613	0.52	$1,601	4.01
Kansas	GEICO	A++	622	0.69	$1,622	3.98
Kansas	State Farm	A++	647	0.79	$1,976	3.98
Kansas	Progressive	A+	638	0.71	$1,937	3.87
Kansas	Farmers	A	622	0.86	$1,992	3.46
Kansas	Allstate	A+	629	1.1	$2,968	2.85
Kansas	USAA	A++	759	1.18	$1,151	4.5
Kentucky	Shelter Insurance	A	679	0.43	$1,917	4.66
Kentucky	Kentucky Farm Bureau	A	687	0.47	$2,113	4.63
Kentucky	Travelers	A++	642	0.52	$1,804	4.3
Kentucky	Auto-Owners	A+	650	0.54	$1,911	4.25
Kentucky	GEICO	A++	651	0.69	$2,106	4.12
Kentucky	State Farm	A++	673	0.79	$2,753	3.99
Kentucky	Progressive	A+	637	0.71	$2,714	3.48
Kentucky	Farmers	A	676	0.86	$3,548	3.36
Kentucky	Allstate	A+	634	1.1	$3,127	2.91
Kentucky	USAA	A++	759	1.18	$1,820	4.49
Louisiana	GEICO	A++	651	0.69	$2,983	3.92
Louisiana	Farmers	A	676	0.86	$3,002	3.73
Louisiana	State Farm	A++	673	0.79	$3,570	3.65
Louisiana	Progressive	A+	637	0.71	$3,065	3.46
Louisiana	USAA	A++	759	1.18	$1,973	4.5
Massachusetts	State Farm	A++	664	0.79	$689	4.33
Massachusetts	Safety Insurance	A	663	0	$1,517	4.1
Massachusetts	GEICO	A++	638	0.69	$1,269	3.91
Massachusetts	Amica	A+	709	0.75	$2,052	3.9
Massachusetts	Arbella Insurance	A	617	0	$1,708	3.69
Massachusetts	Plymouth Rock Assurance	A-	616	0.19	$1,409	3.66
Massachusetts	Travelers	A++	623	0.52	$2,274	3.38
Massachusetts	Progressive	A+	620	0.71	$2,016	3.32
Massachusetts	Farmers	A	600	0.86	$1,966	3.06
Massachusetts	Allstate	A+	646	1.1	$2,694	2.98
Massachusetts	USAA	A++	741	1.18	$1,442	4.12
Maryland	Erie Insurance	A+	713	0.89	$1,685	4.37
Maryland	GEICO	A++	647	0.69	$1,262	4.3
Maryland	Travelers	A++	628	0.52	$1,523	4.14
Maryland	Nationwide	A	642	0.63	$1,363	4.09
Maryland	State Farm	A++	652	0.79	$2,177	3.76
Maryland	Progressive	A+	624	0.71	$1,895	3.66
Maryland	Allstate	A+	624	1.1	$3,108	2.67
Maryland	USAA	A++	743	1.18	$1,043	4.5
Maine	Travelers	A++	623	0.52	$853	4.37
Maine	State Farm	A++	664	0.79	$1,262	4.19
Maine	GEICO	A++	638	0.69	$1,228	4.01
Maine	Progressive	A+	620	0.71	$1,106	3.82
Maine	Allstate	A+	646	1.1	$1,147	3.75
Maine	Farmers	A	600	0.86	$1,664	2.79
Maine	USAA	A++	741	1.18	$827	4.37
Michigan	GEICO	A++	641	0.69	$1,553	4.29
Michigan	Auto-Owners	A+	646	0.54	$2,085	4.18
Michigan	Progressive	A+	648	0.71	$2,069	4.04
Michigan	Michigan Farm Bureau	A-	656	0.29	$2,948	3.99
Michigan	Travelers	A++	606	0.52	$1,817	3.9
Michigan	State Farm	A++	665	0.79	$3,698	3.5
Michigan	USAA	A++	726	1.18	$1,514	4.5
Minnesota	Auto-Owners	A+	663	0.54	$1,693	4.66
Minnesota	State Farm	A++	647	0.79	$1,525	4.41
Minnesota	Nationwide	A	628	0.63	$1,363	4.21
Minnesota	Travelers	A++	613	0.52	$1,618	4.07
Minnesota	GEICO	A++	622	0.69	$2,495	3.43
Minnesota	Allstate	A+	629	1.1	$2,388	3.18
Minnesota	USAA	A++	759	1.18	$1,382	4.49
Missouri	Shelter Insurance	A	677	0.43	$1,906	4.54
Missouri	Nationwide	A	628	0.63	$1,361	4.12
Missouri	Travelers	A++	613	0.52	$1,515	4.11
Missouri	State Farm	A++	647	0.79	$2,072	4.02
Missouri	Progressive	A+	638	0.71	$1,960	3.94
Missouri	Auto Club Enterprises (AAA)	A+	651	1.16	$2,346	3.58
Missouri	GEICO	A++	622	0.69	$3,217	3.18
Missouri	Allstate	A+	629	1.1	$2,852	3.09
Missouri	USAA	A++	759	1.18	$1,086	4.5
Mississippi	Nationwide	A	669	0.63	$1,331	4.52
Mississippi	State Farm	A++	673	0.79	$1,797	4.34
Mississippi	Shelter Insurance	A	679	0.43	$2,469	4.13
Mississippi	Travelers	A++	642	0.52	$1,636	4.13
Mississippi	GEICO	A++	651	0.69	$2,210	3.8
Mississippi	Progressive	A+	637	0.71	$2,131	3.51
Mississippi	Allstate	A+	634	1.1	$2,527	2.93
Mississippi	USAA	A++	759	1.18	$1,320	4.5
Montana	State Farm	A++	656	0.79	$1,858	4.58
Montana	GEICO	A++	637	0.69	$2,382	4.07
Montana	Progressive	A+	607	0.71	$2,414	3.49
Montana	Farmers	A	641	0.86	$2,939	3.4
Montana	Allstate	A+	626	1.1	$2,949	2.96
Montana	USAA	A++	743	1.18	$919	4.5
North Carolina	State Farm	A++	673	0.79	$1,180	4.73
North Carolina	Erie Insurance	A+	676	0.89	$1,082	4.64
North Carolina	Nationwide	A	669	0.63	$1,513	4.48
North Carolina	North Carolina Farm Bureau	A-	667	0.71	$1,217	4.43
North Carolina	GEICO	A++	651	0.69	$1,617	4.21
North Carolina	Farmers	A	676	0.86	$2,028	4.09
North Carolina	Progressive	A+	637	0.71	$2,028	3.64
North Carolina	Allstate	A+	634	1.1	$2,994	2.67
North Dakota	American Family	A	674	0.34	$1,092	4.83
North Dakota	Auto-Owners	A+	663	0.54	$1,717	4.13
North Dakota	Nationwide	A	628	0.63	$1,152	3.93
North Dakota	Progressive	A+	638	0.71	$1,403	3.9
North Dakota	State Farm	A++	647	0.79	$1,738	3.8
North Dakota	GEICO	A++	622	0.69	$1,773	3.47
North Dakota	Farmers	A	622	0.86	$2,077	2.95
North Dakota	Allstate	A+	629	1.1	$2,339	2.77
North Dakota	USAA	A++	759	1.18	$826	4.5
Nebraska	Auto-Owners	A+	663	0.54	$1,193	4.64
Nebraska	Shelter Insurance	A	677	0.43	$1,647	4.52
Nebraska	Nationwide	A	628	0.63	$1,216	4
Nebraska	Progressive	A+	638	0.71	$1,964	3.64
Nebraska	State Farm	A++	647	0.79	$2,344	3.52
Nebraska	GEICO	A++	622	0.69	$2,372	3.23
Nebraska	Allstate	A+	629	1.1	$2,621	2.76
Nebraska	USAA	A++	759	1.18	$1,328	4.41
New Hampshire	State Farm	A++	664	0.79	$1,155	4.61
New Hampshire	GEICO	A++	638	0.69	$1,212	4.39
New Hampshire	Progressive	A+	620	0.71	$1,343	3.97
New Hampshire	Allstate	A+	646	1.1	$2,123	3.21
New Hampshire	Farmers	A	600	0.86	$1,954	3
New Hampshire	USAA	A++	741	1.18	$852	4.46
New Jersey	NJM	A+	711	0.05	$1,318	4.92
New Jersey	GEICO	A++	647	0.69	$1,563	3.96
New Jersey	Travelers	A++	628	0.52	$1,706	3.75
New Jersey	Plymouth Rock Assurance	A-	619	0.19	$1,737	3.57
New Jersey	State Farm	A++	652	0.79	$2,153	3.34
New Jersey	Progressive	A+	624	0.71	$2,187	3.05
New Jersey	Allstate	A+	624	1.06	$2,294	2.77
New Jersey	Farmers	A	610	0.86	$2,254	2.72
New Mexico	State Farm	A++	646	0.79	$1,669	4.69
New Mexico	GEICO	A++	618	0.69	$1,406	4.49
New Mexico	Progressive	A+	614	0.71	$1,557	4.24
New Mexico	Nationwide	A	618	0.63	$1,806	4.17
New Mexico	Allstate	A+	633	1.1	$2,834	3.44
New Mexico	Farmers	A	599	0.86	$2,740	3.12
New Mexico	USAA	A++	733	1.18	$1,054	4.5
Nevada	State Farm	A++	646	0.79	$1,443	4.47
Nevada	GEICO	A++	618	0.69	$1,708	4.24
Nevada	American Family	A	656	0.34	$2,429	4.21
Nevada	Travelers	A++	565	0.52	$1,995	3.88
Nevada	Progressive	A+	614	0.71	$2,482	3.76
Nevada	Allstate	A+	633	1.1	$2,614	3.57
Nevada	Farmers	A	599	0.86	$2,328	3.56
Nevada	CSAA Insurance (AAA)	A	683	1.05	$3,651	3.37
Nevada	USAA	A++	733	1.18	$1,672	4.4
New York	NYCM Insurance	A	659	0.03	$1,300	4.56
New York	State Farm	A++	662	0.79	$1,951	4.08
New York	GEICO	A++	649	0.69	$1,736	4.03
New York	Travelers	A++	667	0.52	$2,677	3.91
New York	Progressive	A+	621	0.71	$1,020	3.85
New York	Allstate	A+	627	1.1	$2,056	3.23
New York	USAA	A++	746	1.18	$1,557	4.22
Ohio	Erie Insurance	A+	710	0.89	$1,132	4.44
Ohio	Auto-Owners	A+	646	0.54	$1,109	4.38
Ohio	Grange Insurance	A	655	0.91	$986	4.16
Ohio	GEICO	A++	641	0.69	$1,373	4.02
Ohio	Travelers	A++	606	0.52	$1,336	3.99
Ohio	Westfield Insurance	A	676	0.56	$1,673	3.87
Ohio	Progressive	A+	648	0.71	$1,626	3.7
Ohio	Allstate	A+	652	1.1	$1,942	3.06
Ohio	Farmers	A	588	0.86	$1,794	2.94
Ohio	USAA	A++	726	1.18	$994	4.49
Oklahoma	Shelter Insurance	A	677	0.43	$2,055	4.42
Oklahoma	Progressive	A+	638	0.71	$1,194	4.18
Oklahoma	State Farm	A++	647	0.79	$1,861	4
Oklahoma	GEICO	A++	622	0.69	$1,820	3.76
Oklahoma	Allstate	A+	629	1.1	$2,699	3.05
Oklahoma	Farmers	A	622	0.86	$2,717	3.04
Oklahoma	USAA	A++	759	1.18	$1,447	4.38
Oregon	State Farm	A++	656	0.79	$1,502	4.57
Oregon	GEICO	A++	637	0.69	$1,683	4.33
Oregon	Travelers	A++	592	0.52	$1,318	4.15
Oregon	Progressive	A+	607	0.71	$1,765	3.83
Oregon	Farmers	A	641	0.86	$2,210	3.77
Oregon	Allstate	A+	626	1.1	$2,945	3.06
Oregon	USAA	A++	743	1.18	$1,277	4.43
Pennsylvania	Travelers	A++	628	0.52	$952	4.28
Pennsylvania	Erie Insurance	A+	713	0.89	$1,550	4.21
Pennsylvania	Nationwide	A	642	0.63	$1,196	3.98
Pennsylvania	GEICO	A++	647	0.69	$2,308	3.42
Pennsylvania	State Farm	A++	652	0.79	$2,473	3.27
Pennsylvania	Progressive	A+	624	0.71	$2,193	3.2
Pennsylvania	Allstate	A+	624	1.1	$2,503	2.67
Pennsylvania	USAA	A++	743	1.18	$1,806	3.95
Rhode Island	State Farm	A++	664	0.79	$1,319	4.46
Rhode Island	Amica	A+	709	0.75	$2,206	4.28
Rhode Island	Travelers	A++	623	0.52	$1,946	4.1
Rhode Island	GEICO	A++	638	0.69	$2,292	3.88
Rhode Island	Progressive	A+	620	0.71	$1,841	3.88
Rhode Island	Allstate	A+	646	1.1	$2,993	3.15
Rhode Island	Farmers	A	600	0.86	$3,336	2.79
Rhode Island	USAA	A++	741	1.18	$1,147	4.5
South Carolina	State Farm	A++	673	0.79	$2,106	4.48
South Carolina	Auto-Owners	A+	650	0.54	$1,475	4.46
South Carolina	Travelers	A++	642	0.52	$1,949	4.19
South Carolina	GEICO	A++	651	0.69	$2,054	4.17
South Carolina	Progressive	A+	637	0.71	$1,816	3.91
South Carolina	Allstate	A+	634	1.1	$2,336	3.28
South Carolina	USAA	A++	759	1.18	$1,451	4.5
South Dakota	Auto-Owners	A+	663	0.54	$2,566	4.28
South Dakota	State Farm	A++	647	0.79	$2,096	4.14
South Dakota	Nationwide	A	628	0.63	$1,526	4.11
South Dakota	GEICO	A++	622	0.69	$2,384	3.59
South Dakota	Allstate	A+	629	1.1	$2,070	3.46
South Dakota	Farmers	A	622	0.86	$2,207	3.38
South Dakota	Progressive	A+	638	0.71	$3,163	3.31
South Dakota	USAA	A++	759	1.18	$1,780	4.34
Tennessee	Farm Bureau Insurance of Tennessee	A+	688	0.02	$1,355	4.92
Tennessee	State Farm	A++	673	0.79	$1,677	4.24
Tennessee	Erie Insurance	A+	676	0.89	$1,598	4.2
Tennessee	Nationwide	A	669	0.63	$1,632	4.12
Tennessee	Travelers	A++	642	0.52	$1,395	4.11
Tennessee	GEICO	A++	651	0.69	$1,565	4.05
Tennessee	Farmers	A	676	0.86	$1,770	4.03
Tennessee	Progressive	A+	637	0.71	$1,550	3.77
Tennessee	Allstate	A+	634	1.1	$3,032	2.67
Tennessee	USAA	A++	759	1.18	$1,194	4.5
Texas	Texas Farm Bureau	B++	686	0.16	$1,301	4.67
Texas	GEICO	A++	653	0.69	$1,644	4.26
Texas	State Farm	A++	654	0.79	$1,956	4.11
Texas	Nationwide	A	639	0.63	$1,502	4.02
Texas	Auto Club Enterprises (AAA)	A+	662	1.16	$1,983	3.92
Texas	Allstate	A+	646	1.1	$2,941	3.44
Texas	Progressive	A+	616	0.71	$3,032	3.28
Texas	Farmers	A	624	0.86	$4,127	2.82
Texas	USAA	A++	710	1.18	$1,812	4.32
Utah	Auto-Owners	A+	659	0.54	$1,393	4.74
Utah	Nationwide	A	618	0.63	$1,135	4.24
Utah	GEICO	A++	618	0.69	$1,325	4.23
Utah	State Farm	A++	646	0.79	$2,175	3.92
Utah	Progressive	A+	614	0.71	$1,845	3.73
Utah	Allstate	A+	633	1.1	$2,279	3.33
Utah	Farmers	A	599	0.86	$2,638	2.8
Utah	USAA	A++	733	1.18	$1,237	4.43
Virginia	Erie Insurance	A+	713	0.89	$1,288	4.47
Virginia	Travelers	A++	628	0.52	$1,169	4.28
Virginia	GEICO	A++	647	0.69	$1,382	4.07
Virginia	State Farm	A++	652	0.79	$1,479	3.93
Virginia	Progressive	A+	624	0.71	$2,120	3
Virginia	Allstate	A+	624	1.1	$2,021	2.77
Virginia	USAA	A++	743	1.18	$1,192	4.47
Vermont	State Farm	A++	664	0.79	$1,139	4.73
Vermont	GEICO	A++	638	0.69	$1,276	4.45
Vermont	Progressive	A+	620	0.71	$926	4.38
Vermont	Allstate	A+	646	1.1	$1,733	3.63
Vermont	Farmers	A	600	0.86	$2,333	2.88
Vermont	USAA	A++	741	1.18	$803	4.5
Washington	GEICO	A++	637	0.69	$1,171	4.48
Washington	PEMCO	B++	666	0.71	$1,326	4.31
Washington	American Family	A	655	0.34	$1,750	4.3
Washington	State Farm	A++	656	0.79	$1,794	4.15
Washington	Travelers	A++	592	0.52	$1,503	3.89
Washington	Farmers	A	641	0.86	$1,714	3.85
Washington	Allstate	A+	626	1.1	$1,766	3.58
Washington	Progressive	A+	607	0.71	$2,554	3.08
Washington	USAA	A++	743	1.18	$853	4.5
Wisconsin	Nationwide	A	688	0.63	$1,287	4.46
Wisconsin	Erie Insurance	A+	710	0.89	$1,313	4.44
Wisconsin	GEICO	A++	641	0.69	$1,195	4.36
Wisconsin	Travelers	A++	606	0.52	$1,089	4.36
Wisconsin	Progressive	A+	648	0.71	$2,128	3.64
Wisconsin	State Farm	A++	665	0.79	$2,378	3.59
Wisconsin	Allstate	A+	652	1.1	$2,515	3.06
Wisconsin	Farmers	A	588	0.86	$2,139	3.05
Wisconsin	USAA	A++	726	1.18	$984	4.5
West Virginia	Erie Insurance	A+	713	0.89	$1,709	4.38
West Virginia	Nationwide	A	642	0.63	$1,215	4.32
West Virginia	State Farm	A++	652	0.79	$1,691	4.14
West Virginia	GEICO	A++	647	0.69	$2,248	3.92
West Virginia	Progressive	A+	624	0.71	$1,825	3.87
West Virginia	Farmers	A	610	0.86	$2,442	3.2
West Virginia	Allstate	A+	624	1.1	$3,132	2.77
West Virginia	USAA	A++	743	1.18	$1,189	4.5
Wyoming	State Farm	A++	656	0.79	$1,521	4.53
Wyoming	Farmers	A	641	0.86	$1,623	3.85
Wyoming	GEICO	A++	637	0.69	$2,514	3.68
Wyoming	Allstate	A+	626	1.1	$2,831	2.67
Wyoming	USAA	A++	743	1.18	$1,230	4.3

How we choose the best car insurance companies in each state

Every state has numerous car insurance companies offering coverage, making it challenging to determine which one is the best.

When comparing insurers, it’s essential to consider more than just rates. You also need to know that the company can effectively handle any claims that may arise and provide solid customer service.

For our rankings, we looked at these three distinct areas:

Rates. We compared the average rates from each insurer for a 40-year-old driving a Honda Accord LX with a good driving record and full coverage of 100/300/100 with $500 deductibles. It is worth noting that younger drivers with a poor driving record or those who require higher coverage limits will pay higher rates.
Financial stability. We compared AM Best ratings, which assess an insurer's financial strength. Insurers with strong financial stability can pay claims and are less likely to default on their financial obligations.
Customer complaints. We considered the National Association of Insurance Commissioners (NAIC) complaint index, which measures the number of complaints an insurer has received compared to the expected number for its market share.

How much is car insurance in your state?

Car insurance rates vary significantly by state and insurer due to numerous factors, including state insurance requirements and the insurer’s rate formula. The table below shows average car insurance rates from top insurers in each state.

State	Full coverage (100/300/100), $500 deductible
Alaska	$1,676
Alabama	$1,860
Arkansas	$1,957
Arizona	$1,812
California	$2,416
Colorado	$2,337
Connecticut	$1,725
Washington, D.C.	$2,157
Delaware	$2,063
Florida	$2,694
Georgia	$1,970
Hawaii	$1,517
Iowa	$1,630
Idaho	$1,428
Illinois	$1,532
Indiana	$1,515
Kansas	$1,900
Kentucky	$2,228
Louisiana	$2,883
Massachusetts	$1,726
Maryland	$1,746
Maine	$1,175
Michigan	$2,352
Minnesota	$1,911
Missouri	$1,982
Mississippi	$2,008
Montana	$2,193
North Carolina	$1,741
North Dakota	$1,665
Nebraska	$1,902
New Hampshire*	$1,265
New Jersey	$1,902
New Mexico	$2,049
Nevada	$2,060
New York	$1,870
Ohio	$1,417
Oklahoma	$2,138
Oregon	$1,678
Pennsylvania	$1,872
Rhode Island	$2,061
South Carolina	$2,009
South Dakota	$2,280
Tennessee	$1,677
Texas	$2,043
Utah	$1,825
Virginia	$1,469
Vermont	$1,319
Washington	$1,608
Wisconsin	$1,664
West Virginia	$2,005
Wyoming	$1,758

How to compare car insurance companies

Comparing multiple car insurance companies is essential to find the best coverage and rates available. Although it may seem daunting to compare numerous quotes, there is an easy way to get the information you need to make an informed decision.

Choose coverage. First, determine your coverage needs. While most states require a minimum amount of liability coverage, you may need higher limits and additional coverages, such as collision and comprehensive.
Choose deductibles. You also need to determine your deductibles. A deductible is the amount that you pay when you file a collision or comprehensive claim. A lower deductible means higher rates but less money out of pocket if you file a claim.
Ask about discounts. You may be eligible for multiple car insurance discounts that can significantly affect your rates, so be sure to compare those as well. Compare the availability and savings amount, since these can change by insurer.
Gather your information. You’ll need vehicle information, such as the VIN, make, model, year and trim level. You also need information for each driver on your policy, including full name, date of birth and driver's license number.
Compare quotes. Although you can contact each insurer individually, it is faster to use a site like Insurance.com to compare multiple quotes at one time. Once you receive the quotes, carefully compare rates, coverages and discounts to find your best fit.

Factors that affect car insurance premiums

Every insurer creates its formula for determining car insurance rates. While they may weigh one factor more heavily than another, they all typically consider the same components.

Factors affecting car insurance include:

Driving record. Your driving record provides insurers with insight as to whether you’re a safe driver or if you’re likely to cost them money in claims. Safer drivers have lower rates.
Vehicle. Newer vehicles have more safety features, meaning fewer injury claims. However, they are also more expensive to repair due to costly monitoring and safety systems.
Age. Young drivers lack experience behind the wheel and are more likely to be in an accident. Fortunately, rates decrease as drivers get older.
Location. Drivers living in a busy city typically pay more than those in rural areas. City drivers are more likely to have their vehicles damaged in an accident or stolen.
Coverage. More coverage means higher rates. However, minimum coverage typically doesn’t offer enough protection, so drivers are encouraged to add coverage and increase limits.
Credit score. Insurers believe that drivers with a higher credit score are more likely to pay for repairs themselves and avoid filing claims. However, some states, like California, don’t allow insurers to consider credit scores when calculating rates.

Frequently asked questions

Why is car insurance expensive in some states?

Insurance factors influence the rates in each state. States with significant weather events, higher minimum requirements, and a higher number of drivers have seen increased car insurance rates, as insurers are more likely to pay claims due to the higher risk.

Are there state-specific car insurance discounts?

Although states do not have specific car insurance discounts, they do control which discounts are available. Some states also don’t allow loyalty, telematics, or education-based discounts.

Helpful auto insurance tools and calculators