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Average Car Insurance Rates By State 2018

The average cost of car insurance across the United States is approximately $1,625 per year, or about $135 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.

Nevertheless, knowing the average monthly cost of coverage and the premiums others are paying can be immensely beneficial when comparing companies, policies, and quotes. After hours of research, we’ve put together this guide to help you find out how your price for full coverage insurance compares to other drivers in your 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.

State
Monthly Rates
Annual Rates
Michigan
$213
$2,551
West Virginia
$210
$2,518
Georgia
$183
$2,201
Rhode Island
$168
$2,020
Montana
$168
$2,013
Louisiana
$164
$1,971
California
$163
$1,962
New Jersey
$159
$1,905
Florida
$153
$1,830
Maryland
$151
$1,810
North Dakota
$143
$1,710
Connecticut
$137
$1,638
Texas
$135
$1,620
Alaska
$134
$1,605
Massachusetts
$134
$1,604
Delaware
$132
$1,580
Oklahoma
$131
$1,568
Colorado
$130
$1,558
South Dakota
$130
$1,557
Wyoming
$128
$1,541
Alabama
$127
$1,529
Kentucky
$125
$1,503
Washington
$125
$1,499
Pennsylvania
$120
$1,440
Hawaii
$117
$1,400
Arkansas
$117
$1,399
Tennessee
$116
$1,397
Nevada
$116
$1,388
Mississippi
$115
$1,385
New Mexico
$114
$1,371
Illinois
$114
$1,370
Minnesota
$113
$1,360
Kansas
$113
$1,358
Oregon
$111
$1,333
Nebraska
$110
$1,317
South Carolina
$109
$1,316
Arizona
$102
$1,222
Missouri
$101
$1,207
Indiana
$100
$1,202
Utah
$99
$1,192
New York
$98
$1,173
Vermont
$96
$1,149
Virginia
$93
$1,114
Wisconin
$91
$1,087
North Carolina
$83
$1,060
Iowa
$88
$1,058
Idaho
$82
$1,053
New Hampshire
$82
$983
Maine
$80
$964
Ohio
$77
$926

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