Auto Insurance Rates by State
Compare average insurance costs and requirements across all states.
Alabama
$1,450/year
at-fault
Alaska
$1,200/year
at-fault
Arizona
$1,350/year
at-fault
Arkansas
$1,400/year
at-fault
California
$1,650/year
at-fault
Colorado
$1,300/year
at-fault
Connecticut
$1,500/year
at-fault
Delaware
$1,400/year
at-fault
District of Columbia
$1,900/year
at-fault
Florida
$2,500/year
no-fault
Georgia
$1,550/year
at-fault
Hawaii
$1,400/year
at-fault
Idaho
$1,000/year
at-fault
Illinois
$1,450/year
at-fault
Indiana
$1,350/year
at-fault
Iowa
$1,200/year
at-fault
Kansas
$1,250/year
at-fault
Kentucky
$1,500/year
at-fault
Louisiana
$2,700/year
at-fault
Maine
$900/year
at-fault
Maryland
$1,450/year
at-fault
Massachusetts
$1,550/year
at-fault
Michigan
$2,900/year
no-fault
Minnesota
$1,300/year
at-fault
Mississippi
$1,600/year
at-fault
Missouri
$1,350/year
at-fault
Montana
$1,150/year
at-fault
Nebraska
$1,200/year
at-fault
Nevada
$1,500/year
at-fault
New Hampshire
$1,050/year
at-fault
New Jersey
$2,200/year
no-fault
New Mexico
$1,400/year
at-fault
New York
$1,750/year
no-fault
North Carolina
$1,350/year
at-fault
North Dakota
$1,100/year
at-fault
Ohio
$1,400/year
at-fault
Oklahoma
$1,450/year
at-fault
Oregon
$1,300/year
at-fault
Pennsylvania
$1,550/year
at-fault
Rhode Island
$1,500/year
at-fault
South Carolina
$1,450/year
at-fault
South Dakota
$1,100/year
at-fault
Tennessee
$1,400/year
at-fault
Texas
$1,600/year
at-fault
Utah
$1,150/year
at-fault
Vermont
$950/year
at-fault
Virginia
$1,400/year
at-fault
Washington
$1,350/year
at-fault
West Virginia
$1,500/year
at-fault
Wisconsin
$1,250/year
at-fault
Wyoming
$1,100/year
at-fault
About State Insurance Rates
Auto insurance rates vary significantly by state due to differences in:
- Liability requirements: Each state sets minimum coverage amounts
- Fault systems: At-fault vs. no-fault states have different rate structures
- Regulation: Some states heavily regulate insurance rates
- Risk factors: Population density, weather, and accident rates vary by state