Top Auto Insurance Providers by State [2023]
Auto insurance rates vary significantly by state because each state creates specific coverage requirements and rules. Rates also vary by driver and insurance company. However, South Dakota averages the lowest minimum coverage rates, and New Hampshire averages the lowest full coverage rates.
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 11, 2023
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 11, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Most states require at least a minimum amount of liability insurance
- Auto insurance rates vary widely by the state since requirements and other factors differ
- South Dakota has the cheapest average minimum auto insurance, and Michigan has the most expensive rates
Every state creates auto insurance rules and minimum coverage requirements. For this reason, auto insurance rates can vary significantly from state to state.
In addition, other state factors, such as population and cost of living, impact rates. Rates also vary widely from city to city. Areas with high traffic volumes and a lot of auto theft see higher rates than rural areas with a low crime rate.
So, if you move to a different state, expect to see much different rates. Be sure to shop around for coverage when you move to get the cheapest auto insurance rates in that state.
Keep reading to learn about auto insurance by state and which states have the cheapest auto insurance rates.
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Do auto insurance rates vary by state?
It may surprise you to learn that the state you live in affects your auto insurance rates. Every state has specific auto insurance requirements and other factors that impact auto insurance rates, so rates vary from state to state.
This table shows all state’s auto insurance rates.
| States | Average Monthly Liability Rates | Average Monthly Collision Rates | Average Monthly Comprehensive Rates | Average Monthly Full Coverage Rates |
|---|---|---|---|---|
| Alabama | $37 | $28 | $14 | $79 |
| Alaska | $47 | $31 | $12 | $90 |
| Arizona | $48 | $25 | $16 | $89 |
| Arkansas | $36 | $29 | $17 | $82 |
| California | $45 | $36 | $8 | $88 |
| Colorado | $49 | $25 | $17 | $91 |
| Connecticut | $59 | $32 | $11 | $102 |
| Delaware | $69 | $28 | $11 | $107 |
| District of Columbia | $58 | $41 | $19 | $118 |
| Florida | $76 | $26 | $11 | $113 |
| Georgia | $55 | $30 | $14 | $98 |
| Hawaii | $39 | $27 | $9 | $75 |
| Idaho | $32 | $20 | $10 | $62 |
| Illinois | $40 | $27 | $11 | $77 |
| Indiana | $34 | $22 | $11 | $67 |
| Iowa | $27 | $19 | $16 | $62 |
| Kansas | $32 | $23 | $21 | $76 |
| Kentucky | $47 | $24 | $12 | $83 |
| Louisiana | $73 | $37 | $19 | $128 |
| Maine | $30 | $23 | $9 | $62 |
| Maryland | $55 | $31 | $13 | $100 |
| Massachusetts | $52 | $34 | $12 | $98 |
| Michigan | $72 | $37 | $13 | $121 |
| Minnesota | $39 | $20 | $16 | $76 |
| Mississippi | $41 | $29 | $18 | $88 |
| Missouri | $38 | $24 | $16 | $79 |
| Montana | $34 | $23 | $21 | $77 |
| Nebraska | $33 | $21 | $20 | $74 |
| Nevada | $64 | $27 | $10 | $100 |
| New Hampshire | $35 | $26 | $9 | $70 |
| New Jersey | $76 | $33 | $11 | $119 |
| New Mexico | $44 | $24 | $15 | $84 |
| New York | $71 | $34 | $15 | $120 |
| North Carolina | $31 | $26 | $11 | $67 |
| North Dakota | $25 | $22 | $20 | $67 |
| Ohio | $35 | $24 | $10 | $69 |
| Oklahoma | $40 | $27 | $20 | $88 |
| Oregon | $53 | $20 | $8 | $81 |
| Pennsylvania | $43 | $29 | $13 | $85 |
| Rhode Island | $68 | $36 | $11 | $116 |
| South Carolina | $50 | $24 | $16 | $89 |
| South Dakota | $26 | $19 | $24 | $69 |
| Tennessee | $37 | $27 | $13 | $77 |
| Texas | $49 | $33 | $19 | $101 |
| Utah | $45 | $23 | $10 | $78 |
| Vermont | $30 | $26 | $11 | $68 |
| Virginia | $38 | $25 | $12 | $74 |
| Washington | $53 | $24 | $9 | $86 |
| West Virginia | $43 | $28 | $18 | $88 |
| Wisconsin | $33 | $20 | $12 | $65 |
| Wyoming | $29 | $24 | $23 | $75 |
| National Average | $48 | $29 | $13 | $90 |
In addition to each state having different auto insurance rates, each insurer also offers different rates. Each auto insurance company uses its own formula to determine rates, causing rates to vary significantly by the driver. Unfortunately, there is no overall cheapest auto insurance company for each state.
Now, let’s dive into auto insurance costs by state to see which are the cheapest and most expensive.
Which states have the cheapest auto insurance?
Since each state creates its own auto insurance regulations, requirements and rates vary widely.
This table shows the states with the cheapest auto insurance that meets state requirements.
| States | Average Monthly Liability Rates |
|---|---|
| **Countrywide** | $48 |
| Alabama | $37 |
| Alaska | $47 |
| Arizona | $48 |
| Arkansas | $36 |
| California | $45 |
| Colorado | $49 |
| Connecticut | $59 |
| Delaware | $69 |
| District of Columbia | $58 |
| Florida | $76 |
| Georgia | $55 |
| Hawaii | $39 |
| Idaho | $32 |
| Illinois | $40 |
| Indiana | $34 |
| Iowa | $27 |
| Kansas | $32 |
| Kentucky | $47 |
| Louisiana | $73 |
| Maine | $30 |
| Maryland | $55 |
| Massachusetts | $52 |
| Michigan | $72 |
| Minnesota | $39 |
| Mississippi | $41 |
| Missouri | $38 |
| Montana | $34 |
| Nebraska | $33 |
| Nevada | $64 |
| New Hampshire | $35 |
| New Jersey | $76 |
| New Mexico | $44 |
| New York | $71 |
| North Carolina | $31 |
| North Dakota | $25 |
| Ohio | $35 |
| Oklahoma | $40 |
| Oregon | $53 |
| Pennsylvania | $43 |
| Rhode Island | $68 |
| South Carolina | $50 |
| South Dakota | $26 |
| Tennessee | $37 |
| Texas | $49 |
| Utah | $45 |
| Vermont | $30 |
| Virginia | $38 |
| Washington | $53 |
| West Virginia | $43 |
| Wisconsin | $33 |
| Wyoming | $29 |
South Dakota, Iowa, and Wyoming have the most affordable minimum coverage.
While minimum coverage meets your state’s minimum coverage requirements, it doesn’t provide coverage for your vehicle, so many drivers prefer full coverage auto insurance, which includes state requirements, collision and comprehensive auto insurance coverage. However, more coverage means higher rates.
This table shows the cheapest average cost of auto insurance by state for full coverage.
| State | Average Annual Auto Insurance Rate for Full Coverage |
|---|---|
| Alabama | $372.57 |
| Alaska | $547.34 |
| Arizona | $488.59 |
| Arkansas | $381.14 |
| California | $462.95 |
| Colorado | $477.10 |
| Connecticut | $633.95 |
| Countrywide | $516.39 |
| Delaware | $776.50 |
| District of Columbia | $628.09 |
| Florida | $289.04 |
| Georgia | $845.05 |
| Hawaii | $490.64 |
| Idaho | $458.49 |
| Illinois | $337.17 |
| Indiana | $430.54 |
| Iowa | $372.44 |
| Kansas | $293.34 |
| Kentucky | $342.33 |
| Louisiana | $518.91 |
| Maine | $727.15 |
| Maryland | $333.92 |
| Massachusetts | $599.48 |
| Michigan | $587.75 |
| Minnesota | $722.04 |
| Mississippi | $439.58 |
| Missouri | $437.38 |
| Montana | $399.41 |
| Nebraska | $387.77 |
| Nevada | $349.07 |
| New Hampshire | $647.07 |
| New Jersey | $393.24 |
| New Mexico | $865.55 |
| New York | $462.21 |
| North Carolina | $784.98 |
| North Dakota | $357.59 |
| Ohio | $282.55 |
| Oklahoma | $376.16 |
| Oregon | $441.57 |
| Pennsylvania | $553.43 |
| Rhode Island | $495.02 |
| South Carolina | $720.06 |
| South Dakota | $497.50 |
| Tennessee | $397.73 |
| Texas | $498.44 |
| Utah | $471.26 |
| Vermont | $340.98 |
| Virginia | $413.12 |
| Washington | $568.92 |
| West Virginia | $501.44 |
| Wisconsin | $359.84 |
| Wyoming | $323.38 |
New Hampshire, Maine, and Ohio have the cheapest full coverage auto insurance rates.
Which states have the most expensive auto insurance?
Now, let’s look at the most expensive auto insurance states. States with high auto insurance rates typically have much higher requirements.
Michigan, New Jersey, and Rhode Island have the most expensive minimum coverage auto insurance rates on average.
Louisiana, Michigan, and Florida have the highest full coverage auto insurance rates. However, these rates are averages, and drivers may find different rates.
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How does the state affect auto insurance rates?
Your state determines how much auto insurance you should have and which coverages are required. States that require more coverage and higher limits typically have the highest auto insurance rates.
Minimum insurance requirements are usually formatted like 25/50/10. The first number is the amount of bodily injury liability coverage you must have per person, the second number is how much bodily injury liability coverage you must have per accident, and the third number is the amount of property damage liability you have to have per accident.
Additionally, some states require other types of auto insurance coverage such as uninsured/underinsured motorists, medical payment, and personal injury protection coverage. These coverages help pay for expenses you may incur from an accident.
This table shows the minimum auto insurance requirements for each state. As you’ll see, minimum requirements vary significantly by state. Don’t assume that your insurance will stay the same if you move.
| State | Minimum BI & PD Liability Limits | Required Insurance Policies |
|---|---|---|
| Alabama | 25/50/25 | BI + PD Liability |
| Alaska | 50/100/25 | BI + PD Liability |
| Arizona | 15/30/10 | BI + PD Liability |
| Arkansas | 25/50/25 | BI + PD Liability, PIP |
| California | 15/30/5 | BI + PD Liability |
| Colorado | 25/50/15 | BI + PD Liability |
| Connecticut | 25/50/20 | BI + PD Liability, UM, UIM |
| Delaware | 25/50/10 | BI + PD Liability, PIP |
| District of Columbia | 25/50/10 | BI + PD Liability, UM |
| Florida | 10/20/10 | BI + PD Liability, PIP |
| Georgia | 25/50/25 | BI + PD Liability |
| Hawaii | 20/40/10 | BI + PD Liability, PIP |
| Idaho | 25/50/15 | BI + PD Liability |
| Illinois | 25/50/20 | BI + PD Liability, UM, UIM |
| Indiana | 25/50/25 | BI + PD Liability |
| Iowa | 20/40/15 | BI + PD Liability |
| Kansas | 25/50/25 | BI + PD Liability, PIP |
| Kentucky | 25/50/25 | BI + PD Liability, PIP, UM, UIM |
| Louisiana | 15/30/25 | BI + PD Liability |
| Maine | 50/100/25 | BI + PD Liability, UM, UIM, Medpay |
| Maryland | 30/60/15 | BI + PD Liability, PIP, UM, UIM |
| Massachusetts | 20/40/5 | BI + PD Liability, PIP |
| Michigan | 20/40/10 | BI + PD Liability, PIP |
| Minnesota | 30/60/10 | BI + PD Liability, PIP, UM, UIM |
| Mississippi | 25/50/25 | BI + PD Liability |
| Missouri | 25/50/25 | BI + PD Liability, UM |
| Montana | 25/50/20 | BI + PD Liability |
| Nebraska | 25/50/25 | BI + PD Liability, UM, UIM |
| Nevada | 25/50/20 | BI + PD Liability |
| New Hampshire | 25/50/25 | Financial Responsibility only |
| New Jersey | 15/30/5 | BI + PD Liability, PIP, UM, UIM |
| New Mexico | 25/50/10 | BI + PD Liability |
| New York | 25/50/10 | BI + PD Liability, PIP, UM, UIM |
| North Carolina | 30/60/25 | BI + PD Liability, UM, UIM |
| North Dakota | 25/50/25 | BI + PD Liability, PIP, UM, UIM |
| Ohio | 25/50/25 | BI + PD Liability |
| Oklahoma | 25/50/25 | BI + PD Liability |
| Oregon | 25/50/20 | BI + PD Liability, PIP, UM, UIM |
| Pennsylvania | 15/30/5 | BI + PD Liability, PIP |
| Rhode Island | 25/50/25 | BI + PD Liability |
| South Carolina | 25/50/25 | BI + PD Liability, UM, UIM |
| South Dakota | 25/50/25 | BI + PD Liability, UM, UIM |
| Tennessee | 25/50/15 | BI + PD Liability |
| Texas | 30/60/25 | BI + PD Liability, PIP |
| Utah | 25/65/15 | BI + PD Liability, PIP |
| Vermont | 25/50/10 | BI & PD Liab, UM, UIM |
| Virginia | 25/50/20 | BI + PD Liability, UM, UIM |
| Washington | 25/50/10 | BI + PD Liability |
| West Virginia | 25/50/25 | BI + PD Liability, UM, UIM |
| Wisconsin | 25/50/10 | BI + PD Liability, UM, Medpay |
| Wyoming | 25/50/20 | BI + PD Liability |
In addition to your minimum insurance requirements, your state’s characteristics also impact rates. For example, states with a high population, a high crime rate, and many insured drivers can see higher than average auto insurance rates.
The weather in your state also affects auto insurance rates. States with extreme weather events, like floods, hurricanes, and fires, see significantly higher comprehensive auto insurance rates.
In addition, how your state determines who pays for injuries and damages also affects rates. Read on to learn about no-fault, at-fault, and no-pay, no-play states.
No-Fault States
In no-fault states, your auto insurance pays for injuries regardless of who caused the accident. However, the at-fault driver’s insurance typically pays for property damage.
Auto insurance rates in these states tend to be expensive because drivers must carry additional coverage, such as medical payments or personal injury protection.
No-fault states include Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah.
Tort States
Most states are tort or at-fault states. Tort states require at-fault drivers to be responsible for injuries and damages they cause. For example, if another driver hits you, their insurance pays for damages and medical expenses.
While some tort states only require liability auto insurance coverage, many also require uninsured/underinsured motorist coverage. This coverage pays for your damages and injuries if a driver hits you with little or no auto insurance.
No-Pay, No-Play States
In these states, uninsured drivers won’t have injuries or damages paid for, even if they didn’t cause the accident. So, if you’re uninsured and an insured driver hits you, you’re still responsible for your own injuries and damages.
No-pay, no-play states include Alaska, California, Iowa, Kansas, Louisiana, Michigan, New Jersey, North Dakota, Oklahoma, and Oregon.
Why is the cost of auto insurance increasing in every state?
Unfortunately, the cost of auto insurance is increasing in every state. While some states have lower-than-average auto insurance rates, drivers can still expect rates to increase for various reasons.
First, our climate is changing. There are increasing numbers of extreme weather events, whether fires, floods, tornados, or hurricanes. Auto insurance companies pay many comprehensive claims, especially in states where these weather events often occur, such as Florida and California.
Next, the cost of claims is increasing. Repair costs, such as labor and materials, are rising. As inflation increases and more expensive technology is used in vehicles, repair expenses continue to increase. While new technology increases vehicle safety, it also causes insurance rates to rise to cover repairs or replacement parts.
Finally, more drivers and vehicles are on the road. As traffic congestion increases, so does the number of accidents. Auto insurance companies pay out more claims, so they must recoup those losses at higher rates.
Does moving to a different state affect auto insurance rates?
Yes, each state sees different average auto insurance rates. States with high auto insurance requirements also have higher rates, so your rates increase if you move to a state with more insurance requirements than your current state. On the other hand, if you move to a state with fewer insurance requirements, your rates decrease.
For example, Delaware requires $25,000 in bodily injury liability per person and $50,000 per accident in addition to $10,000 in property damage liability. Arizona only requires $15,000 in bodily injury liability per person, $30,000 per accident, and $10,000 in property damage liability.
Delaware’s average monthly rate for minimum coverage is $67, and the average monthly rate for minimum coverage in Arizona is $46.
When moving to a new state, shop around for auto insurance even if your current insurer offers coverage in the new state. Each insurance company charges different rates, so you may find cheaper auto insurance with another company.
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What other factors affect the cost of auto insurance?
Although your state influences auto insurance rates, many other factors also determine rates. And, to make things a little more challenging, each insurance company looks at those rates differently.
Factors that affect auto insurance rates include:
- Age. Young, inexperienced drivers see the highest auto insurance rates. Since new drivers lack the necessary experience to avoid accidents, insurers charge higher rates. Fortunately, rates decrease as drivers get more experience behind the wheel.
- Driving record. Accidents, tickets, and DUIs indicate that a driver is reckless and willing to take chances. Since the insurance company is more likely to pay claims, these drivers see higher rates. In most states, accidents and tickets stop affecting rates in three to five years, and DUIs stop affecting rates in 10 years.
- Coverage. Simply put, more coverage means higher rates. While minimum coverage meets state insurance requirements, it doesn’t cover your car. Most drivers choose full coverage, which includes collision auto insurance and comprehensive auto insurance coverage, to protect their vehicles.
- Vehicle. New or expensive vehicles have higher insurance rates since they cost more to repair or replace. Sports and luxury cars have the highest insurance rates. However, many newer vehicles have safety features that earn an auto insurance discount.
- Credit score. Statistically, drivers with a higher credit score are less likely to file claims. Instead, they pay for repairs themselves. On the other hand, drivers with low credit scores can’t pay for damages out of pocket and file claims. Find out if auto insurance companies do background checks.
Because each insurance company weighs your personal factors differently, shopping around for the more affordable auto insurance in your state is essential. Compare coverage and rates to find your best deal. If you’re not happy with your current coverage, learn how to change auto insurance providers.
Final Thoughts on Auto Insurance by State
Each state has different auto insurance rates since minimum requirements vary significantly. In addition, how your state assigns fault in an accident impacts auto insurance rates.
Other factors, such as age, driving record, and credit score, are used to determine auto insurance rates. Drivers who are young with infractions on their driving record, or a low credit score see the highest rates.
When moving, be sure to learn your new state’s coverage requirements. Remember, your auto insurance rates may change significantly depending on how much your insurance requirements change.
Since each insurer also offers different rates in each state, it’s vital to shop for new coverage when you move. Compare rates and coverage from multiple companies to find the most affordable auto insurance in your state.
Frequently Asked Questions
Which state has the highest auto insurance rates?
Louisiana has the highest average full coverage rates, and Michigan has the highest minimum auto insurance rates. Louisiana has numerous extreme weather events, and Michigan has very high minimum auto insurance requirements, which increases costs in those states.
Are auto insurance requirements different in each state?
Each state determines minimum auto insurance requirements, so one state may have low requirements and rates while a neighboring state has higher ones. In addition, rates vary by insurer and driver.
The best way to find the cheapest auto insurance in your state is to shop around. Compare coverage and rates from multiple companies to find your best deal.
Why does Florida have high auto insurance rates?
Florida has expensive auto insurance rates for various reasons. For example, Florida is a no-fault state, which means your insurance pays for damages no matter who caused the accident. In addition, around 20% of Florida drivers are uninsured, and the state experiences many extreme weather events.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.