- Which states have the lowest car insurance rates?
- Which states have the most expensive car insurance rates in 2025?
- What are the cheapest car insurance companies in each state?
- Average full coverage car insurance premiums by state
- What is the minimum car insurance coverage required by law in each state?
- Cheapest car insurance by state for different driver profiles
- Why do car insurance costs vary by state? Our expert weighs in
- How can you find the cheapest car insurance in your state?
- Car insurance rate trends by state (2019–2025)
- Methodology
- FAQ: Car insurance costs by state
Which states have the lowest car insurance rates?
The five states with the cheapest car insurance rates are Vermont, New Hampshire, Maine, Hawaii and Ohio.
- In Vermont, the average cost of full coverage car insurance is $1,009 lower than the national average
- The state minimum liability insurance is $319 less than the national average.
Take a look at the table below to see how the rates stack up in the five cheapest states.
| State | Full coverage | Liability-only (50/100/50) | State minimum | Why it's cheap |
|---|---|---|---|---|
| Vermont | $1,504 | $323 | $299 | Low population density, rural areas, low crime |
| New Hampshire | $1,650 | $486 | $447 | Low population density, lack of minimum coverage requirement, lack of severe weather |
| Maine | $1,701 | $384 | $377 | Low population density, few uninsured motorists |
| Hawaii | $1,721 | $603 | $425 | Limits on non-driving rating factors, low theft rate |
| Ohio | $1,739 | $474 | $390 | Many rural areas, few uninsured motorists |
Which states have the most expensive car insurance rates in 2025?
Louisiana, Florida, Washington, D.C., Nevada and Colorado are the most expensive states for car insurance. Why are these states more costly than others? Weather, traffic, claims, litigation costs, and the number of uninsured drivers all play a part in determining insurance rates.
- In Louisiana, you’ll pay about $1,667 more a year than the national average for full coverage insurance and $375 more for the state minimum coverage.
- In Florida, car insurance costs an average of $1,339 more for full coverage and $590 more for the state's minimum coverage.
Below are the top five most expensive states for car insurance, their rates and the reasons why they're so pricey.
| State | Full coverage | Liability only (50/100/50) | State minimum | Why it's expensive |
|---|---|---|---|---|
| Louisiana | $4,180 | $1,664 | $993 | Severe weather, litigation, many uninsured motorists |
| Florida | $3,852 | $2,220 | $1,208 | Severe weather, litigation, no-fault insurance, many uninsured motorists, high tourism |
| Washington, D.C. | $3,394 | $1,125 | $896 | Dense population, high theft and accident rates |
| Nevada | $3,284 | $1,540 | $908 | Dense urban areas, high tourism, high cost of repairs and medical care |
| Colorado | $3,222 | $898 | $547 | Severe weather, high theft rate, many uninsured motorists |
SUMMARY: What makes car insurance cheaper in some states?
States with cheaper rates tend to have:
- Low population density
- Rural areas
- Low rates of uninsured motorists
- Low theft and crash rates
States with more expensive rates tend to have:
- High population density
- Severe weather
- High rates of uninsured motorists
- High rates of litigation
- More tourists on the road
What are the cheapest car insurance companies in each state?
To compare car insurance rates by state, take a look at the table below. You'll find the cheapest car insurance companies in each state 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 per accident for bodily injury to others
- Property damage liability – $100,000 per accident for property damage to others
- Comprehensive and collision coverage with $500 deductibles
Choose your state from the dropdown menu to see average rates from the cheapest companies for car insurance in that state.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Allstate | $2,791Â | $233Â |
| GEICO | $1,818Â | $152Â |
| Progressive | $1,752Â | $146Â |
| State Farm | $2,523Â | $210Â |
| Western National Insurance | $2,832Â | $236Â |
| USAA | $1,575Â | $131Â |
Average full coverage car insurance premiums by state
The average cost of a full coverage car insurance policy, which covers damage and injuries to others as well as damage to your car (and any other state-required coverage like personal injury protectionPersonal injury protection (PIP) pays for your medical, hospital and funeral expenses resulting from a car accident, regardless of who's at fault.), differs by state due to the many factors we've covered above, like:
- Severe weather
- Theft and crime rates
- Accident rates
- Legally required coverage and the type of insurance law (no-fault or tort)
Take a look at the table below to see average annual rates for each state for a full coverage policy.
| State | Average annual premium | Average monthly premium |
|---|---|---|
| Alabama | $2,107 | $176 |
| Alaska | $2,215 | $185 |
| Arizona | $2,333 | $194 |
| Arkansas | $2,723 | $227 |
| California | $3,010 | $251 |
| Colorado | $3,222 | $269 |
| Connecticut | $2,726 | $227 |
| Delaware | $3,097 | $258 |
| Florida | $3,852 | $321 |
| Georgia | $2,739 | $228 |
| Hawaii | $1,721 | $143 |
| Idaho | $1,791 | $149 |
| Illinois | $1,901 | $158 |
| Indiana | $1,856 | $155 |
| Iowa | $2,228 | $186 |
| Kansas | $2,410 | $201 |
| Kentucky | $2,976 | $248 |
| Louisiana | $4,180 | $348 |
| Maine | $1,701 | $142 |
| Maryland | $2,273 | $189 |
| Massachusetts | $2,430 | $203 |
| Michigan | $3,146 | $262 |
| Minnesota | $2,561 | $213 |
| Mississippi | $2,455 | $205 |
| Missouri | $2,410 | $201 |
| Montana | $2,541 | $212 |
| Nebraska | $2,387 | $199 |
| Nevada | $3,284 | $274 |
| New Hampshire | $1,650 | $138 |
| New Jersey | $2,736 | $228 |
| New Mexico | $2,486 | $207 |
| New York | $2,898 | $242 |
| North Carolina | $2,587 | $216 |
| North Dakota | $2,079 | $173 |
| Ohio | $1,739 | $145 |
| Oklahoma | $2,705 | $225 |
| Oregon | $1,927 | $161 |
| Pennsylvania | $2,428 | $202 |
| Rhode Island | $2,706 | $226 |
| South Carolina | $2,367 | $197 |
| South Dakota | $2,635 | $220 |
| Tennessee | $2,214 | $185 |
| Texas | $2,631 | $219 |
| Utah | $2,250 | $188 |
| Vermont | $1,504 | $125 |
| Virginia | $1,837 | $153 |
| Washington | $2,175 | $181 |
| Washington, D.C. | $3,394 | $283 |
| West Virginia | $2,557 | $213 |
| Wisconsin | $2,026 | $169 |
| Wyoming | $1,984 | $165 |
Note that state minimums for car insurance increased in 2025 in California, North Carolina, Utah and Virginia, which will increase the cost of a minimum coverage policy. Rates and state minimum limits will increase in New Jersey as of January 1, 2026.
People ask
What company has the cheapest car insurance rates?
The company with the cheapest car insurance rates depends on where you live. There is no one company that is the cheapest for everyone since rates vary based on so many factors.
What is the minimum car insurance coverage required by law in each state?
State minimum car insurance coverage differs in each state:
- Most states require liability coverage to pay for injuries and property damage you cause to others
- No-fault states require personal injury protection and in some cases medical payments coverage
- Some states require uninsured/underinsured motorist coverage
Find your state below to see the state minimum requirements for car insurance.
| State | State minimum coverage requirement |
|---|---|
| Alaska | 50/100/25 |
| Alabama | 25/50/25 |
| Arkansas | 25/50/25 |
| Arizona | 25/50/15 |
| California | 30/60/15 |
| Colorado | 25/50/15 |
| Connecticut | 25/50/25 |
| Washington, D.C. | 25/50/10 |
| Delaware | 25/50/10 |
| Florida | 10/20/10 |
| Georgia | 25/50/25 |
| Hawaii | 20/40/10 |
| Iowa | 20/40/15 |
| Idaho | 25/50/15 |
| Illinois | 25/50/20 |
| Indiana | 25/50/25 |
| Kansas | 25/50/25 |
| Kentucky | 25/50/25 |
| Louisiana | 15/30/25 |
| Massachusetts | 20/40/5 |
| Maryland | 30/60/15 |
| Maine | 50/100/25 |
| Michigan | 50/100/10 |
| Minnesota | 30/60/10 |
| Missouri | 25/50/25 |
| Mississippi | 25/50/25 |
| Montana | 25/50/20 |
| North Carolina | 50/100/50 |
| North Dakota | 25/50/25 |
| Nebraska | 25/50/25 |
| New Hampshire | 25/50/25 |
| New Jersey | 30/70/35 |
| New Mexico | 25/50/10 |
| Nevada | 25/50/20 |
| New York | 25/50/10 |
| Ohio | 25/50/25 |
| Oklahoma | 25/50/25 |
| Oregon | 25/50/20 |
| Pennsylvania | 15/30/5 |
| Rhode Island | 25/50/25 |
| South Carolina | 25/50/25 |
| South Dakota | 25/50/25 |
| Tennessee | 25/50/25 |
| Texas | 30/60/25 |
| Utah | 30/65/25 |
| Virginia | 50/100/25 |
| Vermont | 25/50/10 |
| Washington | 25/50/10 |
| Wisconsin | 25/50/10 |
| West Virginia | 25/50/25 |
| Wyoming | 25/50/20 |
*Some state rates will vary based on the addition of a hurricane deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. and may be much higher when included.
Cheapest car insurance by state for different driver profiles
Your driver profile—or driving record—affects your car insurance rates in a big way. Things like speeding tickets, accidents and DUIs will increase your rates. The cheapest rates in each state will depend heavily on your driver profile or driving record. Take a look at the table below to see how different negative marks on your driving record will affect your rates.
State Farm $2,448 $204 Nationwide $3,030 $253 GEICO $3,179 $265 Travelers $3,265 $272 National General $4,004 $334 Progressive $4,249 $354 Farmers $5,124 $427 Mercury Insurance $5,710 $476 Allstate $6,295 $525
Why do car insurance costs vary by state? Our expert weighs in
Brenda Wells, director of the Risk Management & Insurance program at East Carolina University, lists these reasons for car insurance rate differences by state:
- Traffic patterns and driving in general can vary from place to place, resulting in different accident rates.
- Weather and climate in some states (such as heavy ice, flooding, etc.) will vary, and that means claims will vary, which affects rates.
- The cost of living varies from state to state, so, for instance, a doctor's bill in North Carolina might be $100, and in California, it might be $200. This affects the cost of claims, which affects rates.
- The legal system in each state can vary (and also can vary by county.) For instance, in Texas, there are some counties where it’s just understood that the insurer will lose if a lawsuit occurs. In other places, it might be just the opposite. Lawsuits and the settlements that result from them directly impact the cost of claims. The rules of law can also vary from place to place, affecting how lawsuits are conducted and resolved and again impacting claims costs.
How can you find the cheapest car insurance in your state?
To find the cheapest car insurance coverage in your state, you'll want to do the following:
- Shop around to compare multiple quotes. Gather at least three quotes to compare similar liability limits and deductibles. You can switch car insurance policies and insurers at any time.
- Look for discounts. Insurers typically offer several types of discounts, so ask which may apply to you
- Bundling discounts– combining home and auto
- Safe driver discounts
- Discounts for anti-theft devices
- Autopay discounts
- Discounts through membership in a group or profession
- Low mileage discounts
- Customer loyalty discounts- staying with the same insurer for many years
- Be a safe driver and avoid tickets. This is one of the best things you can do to keep your rates down. Just one speeding ticket can increase your rates by as much as 25%.
- Maintain 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.
- Choose a higher 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.
- Purchase liability-only insurance. If you drive an older car, purchase only liability coverage and skip the comprehensive and collision insurance. This only applies if you own your car outright.
- Review your policy at least once a year. Review your policy annually to make sure it still meets your needs and look for any discounts you might be missing.
Car insurance rate trends by state (2019–2025)
Overall, with a few exceptions, car insurance rates took a significant jump in 2025. Prices were higher in 2019, decreased in 2022 and rose again from there.
California is one state where rates have steadily increased. The same is true in Florida.
If you take a look at the table below, you can see how car insurance rates have trended up or down in the last few years.
| State | 2019 | 2022 | 2023 | 2025 |
|---|---|---|---|---|
| Alaska | $1,466 | $1,354 | $1,676 | $2,107 |
| Alabama | $1,684 | $1,451 | $1,860 | $2,215 |
| Arkansas | $1,688 | $1,423 | $1,957 | $2,333 |
| Arizona | $1,774 | $1,480 | $1,812 | $2,723 |
| California | $2,018 | $2,110 | $2,416 | $3,010 |
| Colorado | $1,952 | $1,807 | $2,337 | $3,222 |
| Connecticut | $1,894 | $1,736 | $1,725 | $2,726 |
| Washington, D.C. | $2,138 | $1,845 | $2,157 | $3,097 |
| Delaware | $1,940 | $2,135 | $2,063 | $3,852 |
| Florida | $2,150 | $2,583 | $2,694 | $2,739 |
| Georgia | $1,911 | $1,570 | $1,970 | $1,721 |
| Hawaii | $1,589 | $1,306 | $1,517 | $1,791 |
| Iowa | $1,302 | $1,319 | $1,630 | $1,901 |
| Idaho | $1,234 | $1,045 | $1,428 | $1,856 |
| Illinois | $1,461 | $1,378 | $1,532 | $2,228 |
| Indiana | $1,231 | $1,184 | $1,515 | $2,410 |
| Kansas | $1,615 | $1,529 | $1,900 | $2,976 |
| Kentucky | $2,356 | $1,869 | $2,228 | $4,180 |
| Louisiana | $2,565 | $2,535 | $2,883 | $1,701 |
| Massachusetts | $1,413 | $1,528 | $1,726 | $2,273 |
| Maryland | $1,777 | $1,486 | $1,746 | $2,430 |
| Maine | $1,032 | $1,100 | $1,175 | $3,146 |
| Michigan | $3,489 | $2,158 | $2,352 | $2,561 |
| Minnesota | $1,587 | $1,463 | $1,911 | $2,455 |
| Missouri | $1,750 | $1,948 | $1,982 | $2,410 |
| Mississippi | $1,624 | $1,494 | $2,008 | $2,541 |
| Montana | $1,933 | $1,751 | $2,193 | $2,387 |
| North Carolina | $1,400 | $1,324 | $1,741 | $3,284 |
| North Dakota | $1,520 | $1,285 | $1,665 | $1,650 |
| Nebraska | $1,455 | $1,955 | $1,902 | $2,736 |
| New Hampshire | $1,034 | $1,268 | $1,265 | $2,486 |
| New Jersey | $1,942 | $1,928 | $1,902 | $2,898 |
| New Mexico | $1,583 | $1,516 | $2,049 | $2,587 |
| Nevada | $2,446 | $1,978 | $2,060 | $2,079 |
| New York | $2,066 | $2,072 | $1,870 | $1,739 |
| Ohio | $1,160 | $998 | $1,417 | $2,705 |
| Oklahoma | $1,796 | $1,700 | $2,138 | $1,927 |
| Oregon | $1,520 | $1,249 | $1,678 | $2,428 |
| Pennsylvania | $1,630 | $1,256 | $1,872 | $2,706 |
| Rhode Island | $2,006 | $1,717 | $2,061 | $2,367 |
| South Carolina | $1,555 | $1,902 | $2,009 | $2,635 |
| South Dakota | $1,547 | $1,553 | $2,280 | $2,214 |
| Tennessee | $1,441 | $1,313 | $1,677 | $2,631 |
| Texas | $1,783 | $1,796 | $2,043 | $2,250 |
| Utah | $1,487 | $1,428 | $1,825 | $1,504 |
| Virginia | $1,148 | $1,224 | $1,469 | $1,837 |
| Vermont | $1,328 | $1,081 | $1,319 | $2,175 |
| Washington | $1,610 | $1,213 | $1,608 | $3,394 |
| Wisconsin | $1,275 | $1,311 | $1,664 | $2,557 |
| West Virginia | $1,600 | $1,536 | $2,005 | $2,026 |
| Wyoming | $1,689 | $1,617 | $1,758 | $1,984 |
Methodology
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Additional rate data is drawn based on:
- All available year, make and model data
- Ages ranging from 16 to 75
- Excellent, fair and poor credit
- All available traffic violations
- One or more at-fault accidents
Learn more about our data and methodology.
FAQ: Car insurance costs by state
Why is car insurance so expensive in Florida?
Car insurance is expensive in Florida due to several factors, according to Wells. They include the weather, a high rate of uninsured drivers, traffic and litigation costs.
Is it cheaper to pay my car insurance premium monthly or annually?
If your car insurance company charges a service fee to bill you monthly, then paying annually is cheaper. Some insurance companies give a paid-in-full discount so ask if that’s available to you. Otherwise, rates should be the same.
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