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With inflation at a 40-year-old high, the cost of pretty much everything is spiking. This includes the cost of car insurance. Insurance.com’s 2022 analysis reveals that the average auto insurance premium in 2022 for a good driver with clean credit costs $1,758 a year, or $146 per month

Nationwide, car insurance rates were predicted to increase an average of 5.4% over the course of the year, according to S&P Global Market Intelligence. The cheapest car insurance in your state will depend on personal factors, but, we’ve gathered the average car insurance rate for major insurers by state. Insurance.com's rate analysis ranks the car insurance companies by price so you can quickly find the best deals.

KEY TAKEAWAYS
  • The cost of auto insurance can vary by state and insurance company, with an average rate of $1,758 a year nationwide for a good driver with good credit.
  • The states with the cheapest average car insurance include Maine, Idaho and Vermont.
  • The states with the highest average car insurance include California, Florida, and Louisiana.
  • Doing your research and looking for discounts can help you get a cheaper car insurance rate.

Cheapest car insurance companies by state

Car insurance rates vary from state to state. Whether you’re considering a move or are just curious about the states with the cheapest car insurance, check out this interactive map, which shows you the cheapest car insurance by state based on a 2022 Insurance.com rate comparison.

In the chart below, you'll see the average rate for the following liability limits – liability coverage pays for injuries/damage you cause others. You'll also see the average rate for full coverage car insurance, which includes comprehensive and collision and pays for damage to your car:

Full coverage 100/300/100 means:

  • Bodily injury liability – $100,000 per person/$300,000 maximum per accident for bodily injury
  • Property damage liability – $100,000 for property damage
  • Comprehensive and collision coverage with $500 deductible

Enter your state in the search field to see average rates by company. Then, you'll see a rate analysis of up to six major insurers in nearly every ZIP code of that state.

Cheapest Auto Insurance Companies by State
StateCompanyAverage Annual Premium
AlaskaUSAA$1,051
AlaskaProgressive$1,117
AlaskaGeico$1,136
AlaskaState Farm$1,224
AlaskaWestern National Mutual$1,517
AlaskaAllstate$2,107
AlabamaNationwide$1,007
AlabamaGeico$1,113
AlabamaUSAA$1,164
AlabamaTravelers$1,321
AlabamaAllstate$1,512
AlabamaAuto-Owners$1,601
AlabamaState Farm$1,625
AlabamaProgressive$1,806
AlabamaFarmers$1,830
ArkansasUSAA$1,043
ArkansasGeico$1,123
ArkansasTravelers$1,228
ArkansasNationwide$1,273
ArkansasState Farm$1,305
ArkansasFarmers$1,432
ArkansasAuto Club$1,449
ArkansasAuto-Owners$1,561
ArkansasProgressive$1,586
ArkansasAllstate$2,202
ArizonaGeico$1,033
ArizonaNationwide$1,130
ArizonaAuto-Owners$1,130
ArizonaTravelers$1,306
ArizonaUSAA$1,362
ArizonaFarmers$1,388
ArizonaMercury$1,407
ArizonaState Farm$1,488
ArizonaHartford$1,491
ArizonaProgressive$1,807
ArizonaAllstate$2,073
ArizonaCSAA$2,187
CaliforniaProgressive$1,466
CaliforniaUSAA$1,537
CaliforniaGeico$1,594
CaliforniaMercury$1,622
CaliforniaTravelers$2,044
CaliforniaAuto-Owners$2,143
CaliforniaAuto Club$2,267
CaliforniaAllstate$2,303
CaliforniaKemper$2,310
CaliforniaState Farm$2,334
CaliforniaNationwide$2,361
CaliforniaCSAA$2,367
CaliforniaHartford$2,535
CaliforniaFarmers$2,658
ColoradoGeico$1,212
ColoradoUSAA$1,300
ColoradoNationwide$1,304
ColoradoState Farm$1,565
ColoradoKemper$1,578
ColoradoProgressive$1,704
ColoradoAllstate$2,120
ColoradoFarmers$2,167
ColoradoAuto-Owners$2,357
ColoradoAmerican Family$2,736
ConnecticutGeico$935
ConnecticutKemper$1,172
ConnecticutUSAA$1,208
ConnecticutMercury$1,220
ConnecticutState Farm$1,340
ConnecticutProgressive$1,368
ConnecticutNationwide$1,577
ConnecticutAllstate$2,013
ConnecticutThe Hanover$4,839
Washington D.C.Geico$862
Washington D.C.Progressive$1,154
Washington D.C.USAA$1,182
Washington D.C.Erie$1,417
Washington D.C.State Farm$1,723
Washington D.C.Nationwide$2,220
Washington D.C.Chubb Ltd$2,479
Washington D.C.Allstate$3,830
DelawareGeico$1,077
DelawareUSAA$1,222
DelawareState Farm$1,304
DelawareNationwide$1,390
DelawareProgressive$1,473
DelawareTravelers$1,730
DelawareAmerican Family$2,864
DelawareAllstate$3,136
DelawareSentry$4,803
FloridaGeico$1,554
FloridaState Farm$1,776
FloridaTravelers$2,140
FloridaNationwide$2,156
FloridaMercury$2,627
FloridaAllstate$2,757
FloridaProgressive$2,926
FloridaNational$3,166
FloridaFarmers$3,548
GeorgiaUSAA$1,136
GeorgiaNationwide$1,245
GeorgiaAuto-Owners$1,281
GeorgiaProgressive$1,455
GeorgiaGeico$1,459
GeorgiaState Farm$1,640
GeorgiaAllstate$1,832
GeorgiaMercury$1,932
GeorgiaCountry$2,017
HawaiiGeico$960
HawaiiUSAA$1,040
HawaiiState Farm$1,097
HawaiiProgressive$1,343
HawaiiFarmers$1,411
HawaiiAllstate$1,622
HawaiiIsland$1,668
IowaNationwide$881
IowaTravelers$1,088
IowaState Farm$1,110
IowaGeico$1,147
IowaUSAA$1,148
IowaAuto-Owners$1,270
IowaFarmers$1,423
IowaAmerican Family$1,487
IowaAllstate$1,512
IowaProgressive$2,149
IdahoUSAA$743
IdahoAuto-Owners$793
IdahoGeico$858
IdahoState Farm$920
IdahoNationwide$920
IdahoTravelers$933
IdahoAmerican Family$1,206
IdahoFarmers$1,326
IdahoAllstate$1,769
IllinoisGeico$798
IllinoisTravelers$1,077
IllinoisNationwide$1,077
IllinoisState Farm$1,104
IllinoisAuto-Owners$1,127
IllinoisMercury$1,195
IllinoisAmerican Family$1,201
IllinoisErie$1,239
IllinoisUSAA$1,317
IllinoisProgressive$1,414
IllinoisFarmers$1,417
IllinoisAuto Club$1,654
IllinoisAutomobile Club MI$2,303
IllinoisAllstate$2,451
IndianaGeico$632
IndianaUSAA$792
IndianaState Farm$1,003
IndianaNationwide$1,008
IndianaAuto-Owners$1,083
IndianaTravelers$1,133
IndianaAmerican Family$1,187
IndianaFarmers$1,330
IndianaProgressive$1,547
IndianaAllstate$2,123
KansasNationwide$1,032
KansasUSAA$1,051
KansasAmerican Family$1,332
KansasTravelers$1,369
KansasState Farm$1,402
KansasGeico$1,492
KansasProgressive$1,523
KansasFarmers$1,787
KansasAuto-Owners$1,807
KansasAllstate$2,463
KentuckyUSAA$1,538
KentuckyState Farm$1,609
KentuckyGeico$1,609
KentuckyTravelers$1,632
KentuckyNationwide$1,730
KentuckyAuto-Owners$1,748
KentuckyProgressive$2,093
KentuckyKentucky Farm Bureau$2,204
KentuckyAllstate$2,614
LouisianaSouthern Farm Bureau$1,478
LouisianaUSAA$1,676
LouisianaState Farm$2,181
LouisianaGeico$2,239
LouisianaSafeway$2,810
LouisianaProgressive$3,026
LouisianaAuto Club$4,002
MassachusettsState Farm$647
MassachusettsUSAA$1,170
MassachusettsGeico$1,184
MassachusettsSafety$1,226
MassachusettsProgressive$1,653
MassachusettsArbella Insurance$1,696
MassachusettsAmerican Family$1,723
MassachusettsAllstate$2,195
MassachusettsTravelers$2,254
MarylandUSAA$863
MarylandGeico$1,154
MarylandTravelers$1,191
MarylandNationwide$1,264
MarylandErie$1,490
MarylandState Farm$1,646
MarylandProgressive$1,650
MarylandKemper$1,654
MarylandAllstate$2,628
MaineAuto-Owners$690
MaineUSAA$794
MaineGeico$798
MaineTravelers$829
MaineState Farm$909
MaineProgressive$1,061
MaineFrankenmuth$1,339
MaineAllstate$1,521
MaineFarmers$2,156
MichiganGeico$1,309
MichiganUSAA$1,318
MichiganProgressive$1,385
MichiganAutomobile Club MI$1,964
MichiganAuto-Owners$2,013
MichiganTravelers$2,435
MichiganFarmers$2,669
MichiganAllstate$2,987
MichiganState Farm$3,346
MinnesotaNationwide$922
MinnesotaState Farm$992
MinnesotaUSAA$1,236
MinnesotaAmerican Family$1,245
MinnesotaTravelers$1,430
MinnesotaAuto-Owners$1,435
MinnesotaGeico$1,689
MinnesotaAutomobile Club MI$2,196
MinnesotaAllstate$2,197
MissouriUSAA$849
MissouriNationwide$1,097
MissouriTravelers$1,335
MissouriState Farm$1,398
MissouriAmerican Family$1,601
MissouriAuto-Owners$1,613
MissouriAllstate$1,732
MissouriAuto Club$2,020
MissouriGeico$2,173
MissouriProgressive$2,589
MissouriKemper$5,413
MississippiUSAA$963
MississippiNationwide$1,314
MississippiState Farm$1,389
MississippiTravelers$1,443
MississippiProgressive$1,496
MississippiGeico$1,555
MississippiAllstate$1,978
MississippiShelter$2,032
MontanaUSAA$928
MontanaProgressive$940
MontanaState Farm$1,346
MontanaNationwide$1,421
MontanaGeico$2,073
MontanaFarmers$2,156
MontanaAllstate$2,449
MontanaKemper$2,692
North CarolinaKemper$961
North CarolinaErie$1,013
North CarolinaGeico$1,035
North CarolinaNationwide$1,132
North CarolinaState Farm$1,199
North CarolinaNorth Carolina Farm Bureau$1,218
North CarolinaNational$1,473
North CarolinaProgressive$1,782
North CarolinaAllstate$2,106
North DakotaUSAA$775
North DakotaNationwide$983
North DakotaAmerican Family$1,236
North DakotaProgressive$1,262
North DakotaAuto-Owners$1,288
North DakotaState Farm$1,372
North DakotaGeico$1,378
North DakotaFarmers$1,505
North DakotaAllstate$1,858
NebraskaNationwide$892
NebraskaUSAA$1,225
NebraskaAuto-Owners$1,264
NebraskaFarmers$1,664
NebraskaAllstate$1,739
NebraskaState Farm$1,745
NebraskaGeico$1,765
NebraskaProgressive$2,234
NebraskaAutomobile Club MI$5,257
New HampshireUSAA$735
New HampshireAuto-Owners$776
New HampshireGeico$779
New HampshireState Farm$837
New HampshireProgressive$849
New HampshireNationwide$917
New HampshireMapfre$1,091
New HampshireAllstate$1,638
New HampshireThe Hanover$3,771
New JerseyPalisades$1,073
New JerseyGeico$1,250
New JerseyNew Jersey Manufacturers$1,284
New JerseyState Farm$1,688
New JerseyTravelers$1,791
New JerseyAllstate$1,798
New JerseyMercury$2,103
New JerseyFarmers$3,064
New JerseyProgressive$3,135
New MexicoGeico$960
New MexicoUSAA$1,036
New MexicoNationwide$1,140
New MexicoState Farm$1,155
New MexicoFarmers$1,396
New MexicoProgressive$1,535
New MexicoAllstate$1,964
New MexicoKemper$2,027
NevadaGeico$834
NevadaAuto-Owners$1,296
NevadaUSAA$1,422
NevadaState Farm$1,433
NevadaNationwide$1,484
NevadaProgressive$1,602
NevadaTravelers$1,838
NevadaMercury$1,912
NevadaFarmers$2,110
NevadaAmerican Family$2,370
NevadaAllstate$2,574
NevadaKemper$2,779
NevadaCSAA$3,947
New YorkProgressive$825
New YorkAmerican Family$1,112
New YorkGeico$1,371
New YorkUSAA$1,563
New YorkErie$1,600
New YorkAllstate$1,749
New YorkState Farm$1,937
New YorkTravelers$2,580
New YorkKemper$2,917
New YorkMercury$4,551
OhioNationwide$650
OhioGeico$666
OhioUSAA$879
OhioTravelers$921
OhioState Farm$933
OhioAuto-Owners$934
OhioErie$938
OhioAmerican Family$999
OhioProgressive$1,175
OhioFarmers$1,269
OhioAllstate$1,591
OklahomaGeico$1,087
OklahomaUSAA$1,101
OklahomaState Farm$1,378
OklahomaMercury$1,518
OklahomaFarmers$1,534
OklahomaShelter$1,707
OklahomaAllstate$1,814
OklahomaProgressive$2,446
OklahomaOklahoma Farm Bureau$2,642
OregonNationwide$953
OregonState Farm$957
OregonGeico$957
OregonUSAA$1,020
OregonAuto-Owners$1,130
OregonTravelers$1,154
OregonAmerican Family$1,283
OregonProgressive$1,345
OregonFarmers$1,416
OregonKemper$1,460
OregonAllstate$1,712
PennsylvaniaNationwide$821
PennsylvaniaTravelers$1,020
PennsylvaniaState Farm$1,195
PennsylvaniaErie$1,229
PennsylvaniaAuto-Owners$1,237
PennsylvaniaGeico$1,352
PennsylvaniaAllstate$1,400
PennsylvaniaUSAA$1,448
PennsylvaniaProgressive$1,598
Rhode IslandUSAA$962
Rhode IslandState Farm$1,101
Rhode IslandTravelers$1,552
Rhode IslandGeico$1,692
Rhode IslandAmerican Family$1,757
Rhode IslandMercury$1,792
Rhode IslandNationwide$1,864
Rhode IslandProgressive$1,962
Rhode IslandAllstate$2,772
South CarolinaNationwide$1,183
South CarolinaAuto-Owners$1,322
South CarolinaUSAA$1,348
South CarolinaTravelers$1,397
South CarolinaGeico$1,457
South CarolinaState Farm$1,524
South CarolinaProgressive$1,751
South CarolinaAllstate$2,089
South CarolinaAmerican Family$2,500
South CarolinaFarmers$4,374
South DakotaNationwide$1,035
South DakotaKemper$1,170
South DakotaAmerican Family$1,322
South DakotaState Farm$1,464
South DakotaUSAA$1,551
South DakotaGeico$1,688
South DakotaFarmers$1,717
South DakotaAuto-Owners$1,785
South DakotaAllstate$1,941
South DakotaProgressive$2,141
TennesseeUSAA$966
TennesseeGeico$982
TennesseeAuto-Owners$1,077
TennesseeNationwide$1,082
TennesseeState Farm$1,187
TennesseeTravelers$1,232
TennesseeFarmers$1,280
TennesseeErie$1,349
TennesseeAllstate$1,928
TennesseeProgressive$2,025
TexasState Farm$1,202
TexasNationwide$1,207
TexasGeico$1,386
TexasAuto Club$1,438
TexasUSAA$1,612
TexasProgressive$1,800
TexasMercury$1,830
TexasFarmers$2,431
TexasAllstate$3,236
UtahGeico$766
UtahUSAA$901
UtahNationwide$1,073
UtahAuto-Owners$1,194
UtahProgressive$1,205
UtahAmerican Family$1,562
UtahState Farm$1,566
UtahFarmers$1,762
UtahAllstate$1,822
UtahKemper$2,291
VirginiaNationwide$779
VirginiaUSAA$831
VirginiaAmerican Family$922
VirginiaErie$1,000
VirginiaProgressive$1,001
VirginiaTravelers$1,050
VirginiaGeico$1,071
VirginiaState Farm$1,072
VirginiaAuto-Owners$1,285
VirginiaMercury$1,297
VirginiaAllstate$1,722
VirginiaKemper$2,699
VermontUSAA$788
VermontState Farm$816
VermontNationwide$830
VermontAmerican Family$914
VermontGeico$963
VermontAuto-Owners$978
VermontVermont$1,172
VermontAllstate$1,704
VermontProgressive$1,757
WashingtonUSAA$845
WashingtonGeico$962
WashingtonNationwide$1,094
WashingtonAuto-Owners$1,151
WashingtonTravelers$1,155
WashingtonKemper$1,174
WashingtonState Farm$1,200
WashingtonProgressive$1,253
WashingtonFarmers$1,297
WashingtonAmerican Family$1,550
WashingtonAllstate$1,555
WisconsinGeico$749
WisconsinUSAA$771
WisconsinNationwide$802
WisconsinTravelers$970
WisconsinState Farm$1,011
WisconsinAmerican Family$1,112
WisconsinAuto-Owners$1,281
WisconsinErie$1,292
WisconsinFarmers$1,463
WisconsinAllstate$1,633
WisconsinAutomobile Club MI$1,755
WisconsinProgressive$1,999
WisconsinKemper$2,392
West VirginiaGeico$917
West VirginiaNationwide$1,047
West VirginiaUSAA$1,061
West VirginiaState Farm$1,258
West VirginiaErie$1,321
West VirginiaProgressive$1,701
West VirginiaWestfield$1,806
West VirginiaAllstate$2,457
WyomingAmerican National Finance$857
WyomingUSAA$1,144
WyomingState Farm$1,412
WyomingFarmers$1,623
WyomingGeico$2,299
WyomingAllstate$2,617

*Rates were fielded by Quadrant Information Services in 2022 from up to six major insurers in nearly every ZIP code of each state. Driver profile: male, age 40, clean record and good credit, with a 12-mile commute to work. Full coverage of 100/300/100 with comprehensive and collision; $500 deductible.

Which state has the cheapest car insurance?

Among the top insurers that were included in our analysis, the cheapest car insurance by state varies. Above, we looked at the cheapest car insurance companies by state, but which state is cheapest overall? Take a look at the average cost of car insurance for both a state minimum policy and full coverage below based on a 2022 rate analysis by Insurance.com. Comparison of the average car insurance rates by state

Average Car Insurance Rates by State
StateAverage state min coverage costAverage full coverage cost*
Alaska$336$1,359
Alabama$420$1,542
Arkansas$422$1,597
Arizona$494$1,617
California$582$2,115
Colorado$467$1,940
Connecticut$773$1,750
Washington, D.C.$577$1,858
Delaware$821$2,137
Florida$908$2,560
Georgia$567$1,647
Hawaii$389$1,306
Iowa$263$1,321
Idaho$326$1,121
Illinois$484$1,578
Indiana$384$1,256
Kansas$389$1,594
Kentucky$717$2,105
Louisiana$726$2,546
Massachusetts$523$1,538
Maryland$607$1,640
Maine$330$1,116
Michigan$711$2,133
Minnesota$479$1,493
Missouri$525$2,104
Mississippi$434$1,606
Montana$389$1,692
North Carolina$396$1,368
North Dakota$340$1,419
Nebraska$350$2,018
New Hampshire$411$1,307
New Jersey$989$1,901
New Mexico$376$1,505
Nevada$683$2,023
New York$875$2,020
Ohio$308$1,023
Oklahoma$352$1,797
Oregon$551$1,244
Pennsylvania$398$1,445
Rhode Island$648$1,845
South Carolina$628$1,894
South Dakota$267$1,581
Tennessee$368$1,373
Texas$520$1,875
Utah$526$1,469
Virginia$469$1,321
Vermont$306$1,158
Washington$505$1,371
Wisconsin$375$1,499
West Virginia$474$1,610
Wyoming$293$1,736

*Full coverage of 100/300/100 with comprehensive and collision; $500 deductible.

Cheapest states for full coverage car insurance

Here are the five cheapest states for state for full coverage car insurance (annual rates):

  • Ohio: $1,023
  • Maine: $1,116
  • Idaho: $1,121
  • Vermont: $1,158
  • Oregon: $1,244

Most expensive states for full coverage car insurance

On the flip side, here are the most expensive states for full coverage car insurance (annual rates):

  • Florida: $2,560
  • Louisiana: $2,546
  • Delaware: $2,137
  • Michigan: $2,133
  • California: $2,115

Why do car insurance rates differ from state to state?

Location can impact car insurance rates because the risks are different based on a variety of factors. That's why you'll find insurance rates differ from state to state. It also explains why the cost of car insurance from the same insurance company also changes depending on the state you live in.

Here are a few location-based reasons car insurance rates differ across states:

  • Crime rates. Areas more prone to theft and vandalism are more expensive than safer ones.
  • Population density. Urban areas tend to have higher claims rates than small, rural areas, likely due to increased traffic.
  • Number, frequency, and cost of claims. The greater prevalence and cost of claims in a given area can bump up your car insurance.
  • Weather trends. Areas more prone to severe weather and damage due to these trends will also be more expensive. In turn, areas that are less prone to severe weather might have cheaper insurance.
  • The cost of medical care and car repairs. These costs vary by state and can also affect the cost of car insurance. 

How to find the cheapest car insurance coverage in your state

Besides using our handy tools, you'll want to start by shopping around to get the cheapest car insurance. Gather at least three quotes to compare similar liability limits and deductibles.

Other ways to save on your car insurance include:

Looking for discounts. Insurers typically offer several ways to save on your car insurance, such as:

  • Bundling your policy with homeowners/renters insurance
  • Being a safe driver and maintaining a clean record
  • Installing anti-theft devices
  • Setting up autopay
  • Getting insurance through a group affiliation
  • Not putting a lot of miles on your car
  • Staying with the same insurer for several years

Maintaining strong credit. Insurers might use what's known as a credit-based insurance score to place you in a risk category and to figure out the cost of your insurance. Like a consumer credit score, this is a three-digit number. There are only a few states where this is not legal.

Choosing a high deductible. A higher deductible means a lower monthly premium. However, you'll want to make sure you have enough money in the bank to cover your deductible should you need to file a claim.

Purchasing barebones insurance. If you drive an older car, purchase only liability coverage and skip the comprehensive and collision insurance. Let's say your car is more than 10 years old or worth less than $3,000. In that case, you might not need full coverage. And if you don't drive your car often, you might be able to squeak by with cheap state minimum car insurance.

Review your policy at least once a year. You can switch car insurance policies and insurers at any time. Use that to your advantage and save some money that way. Check your policy to make sure it's a good fit for you. Maybe you've driven far less in the past year. In that case, you might want to switch to a low-mileage policy. Next, gather a few quotes from your current insurer and competitors. Just make sure it's the same coverage types and coverage limits.

Frequently asked questions: Car insurance rates by state

What is one of the most expensive states for car insurance?

Per Insurance.com’s 2022 analysis, the most expensive state for car insurance is Florida, although Louisiana, Delaware, and Michigan are also at the top of the list.

How can you manage your insurance when moving to a new state?

Contact your insurance company as soon as possible to inform them of your new address and moving date. Then, gather quotes from at least three insurance companies to determine the cheapest company for your needs. The policies and coverage limits should be identical. You might be able to stay with your current insurance company if they provide coverage in that state, but your coverage limits will need to be updated to match the minimum requirements in your new home state.

Sources:

Resources & Methodology

Insurance.com commissioned Quadrant Information Services in 2022 for rates from up to six major insurers in nearly every ZIP code of each state. Driver profile: male, age 40, married, clean record and good credit, driving 2016 Honda Accord. Full coverage of 100/300/100 with comprehensive and collision; $500 deductible.