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Average Car Insurance Rates By State

As of 2014, the average cost of car insurance across the United States is approximately $1,503 per year, or about $125 per month. Average car insurance rates vary by state due to many factors, such as state laws and minimum auto insurance requirements, population density, traffic conditions, number of car accidents, healthcare costs, the percentage of uninsured or under-insured drivers, auto theft, crime rates, natural disasters, and the number of auto insurance companies operating and competing in the state.

Average Car Insurance Rates

Average Car Insurance Rates By State

The figures below represent the average cost of car insurance from 6 of the largest auto insurance companies in the United States: Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. The premiums assume the policyholder is a 40-year-old male buying full coverage and commuting 12 miles to work each day. The policy purchased is a 100/300/50 ($100,000 for individual injury liability, $300,000 total bodily injury per accident, and $50,000 for property damage), with a $500 deductible on collision and comprehensive coverage.

Here are the average car insurance rates by state, broken down into average monthly and annual premiums. Just remember that your actual car insurance payments will depend on your individual risk factors.

Rank
State
Monthly Rates
Annual Rates
1
Michigan
$213
$2,551
2
West Virginia
$210
$2,518
3
Georgia
$183
$2,201
4
Rhode Island
$168
$2,020
5
Montana
$168
$2,013
6
Louisiana
$164
$1,971
7
California
$163
$1,962
8
New Jersey
$159
$1,905
9
Florida
$153
$1,830
10
Maryland
$151
$1,810
11
North Dakota
$143
$1,710
12
Connecticut
$137
$1,638
13
Texas
$135
$1,620
14
Alaska
$134
$1,605
15
Massachusetts
$134
$1,604
16
Delaware
$132
$1,580
17
Oklahoma
$131
$1,568
18
Colorado
$130
$1,558
19
South Dakota
$130
$1,557
20
Wyoming
$128
$1,541
21
Alabama
$127
$1,529
22
Kentucky
$125
$1,503
23
Washington
$125
$1,499
24
Pennsylvania
$120
$1,440
25
Hawaii
$117
$1,400
26
Arkansas
$117
$1,399
27
Tennessee
$116
$1,397
28
Nevada
$116
$1,388
29
Mississippi
$115
$1,385
30
New Mexico
$114
$1,371
31
Illinois
$114
$1,370
32
Minnesota
$113
$1,360
33
Kansas
$113
$1,358
34
Oregon
$111
$1,333
35
Nebraska
$110
$1,317
36
South Carolina
$109
$1,316
37
Arizona
$102
$1,222
38
Missouri
$101
$1,207
39
Indiana
$100
$1,202
40
Utah
$99
$1,192
41
New York
$98
$1,173
42
Vermont
$96
$1,149
43
Virginia
$93
$1,114
44
Wisconin
$91
$1,087
45
North Carolina
$83
$1,060
46
Iowa
$88
$1,058
47
Idaho
$82
$1,053
48
New Hampshire
$82
$983
49
Maine
$80
$964
50
Ohio
$77
$926

To learn how to compare car insurance quotes and find the best coverage with the lowest rates, check out our guide.