Car Insurance by State
Car insurance rates by state vary dramatically due to risks and car insurance requirements. With our free comparison tool below, you can compare car insurance quotes and car insurance companies in your ZIP Code.
Are you looking for free insurance quotes?
Secured with SHA-256 Encryption
|
Written by
Eric Stauffer |
|
Reviewed by
Leslie Kasperowicz
|
UPDATED: May 16, 2022
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 companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
State-Specific Car Insurance Rules
The guides above are designed to give you a good look into your particular State driving and insurance laws, so you can better understand what is required of you, as well as what your options are in an accident.
Car insurance, as with most other types of personal and business insurance, is regulated at the state level. That means each state is responsible for setting rules for how drivers that reside in their borders are supposed to be insured.
Because of this, car insurance laws and requirements can vary dramatically depending on what state you happen to live in.
One of the most basic differences between the states is the required amount of liability insurance each driver must carry in order to drive on public roads. Liability coverage is the part of a policy that pays for damages to other people and property. Some states have very low liability requirements, while others require a great deal more.
Because coverage requirements vary, so do car insurance rates. Let’s review the National Association of Insurance Commissioners (NAIC) average cost of auto insurance by coverage type by state:
| 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 |
| Countrywide | $48 | $29 | $13 | $90 |
Get Your Rates Quote Now |
||||
To make things even more complicated, some states are considered “no-fault” which means in certain types of accidents each driver and their corresponding insurance policy are required to cover their own damage. This is contrary to “tort” states, where people are allowed to sue each other for damages.
Unfortunately, it doesn’t stop there.
Some states are a cross between “no-fault” and “tort,” meaning each accident determines the actions available for the parties involved.
The bottom line is, car insurance is confusing. That confusion is compounded by the fact that every state has their own rules.