Best Car Insurance by State (2024)

Car insurance rates vary dramatically from state to state due to risks, car insurance requirements, and at-fault or tort status. With our free comparison tool below, you can easily compare car insurance quotes and car insurance companies in your ZIP code to find the best car insurance by state.

UPDATED: Sep 20, 2024Fact Checked

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Heidi Mertlich

Licensed Insurance Agent

Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...

Licensed Insurance Agent

Jeff Root

Licensed Insurance Agent

Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...

Licensed Insurance Agent

UPDATED: Sep 20, 2024

Advertiser Disclosure

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.

UPDATED: Sep 20, 2024Fact Checked

State-Specific Car Insurance Rules

The guides above are designed to give you a good look into your particular state’s driving and insurance laws, so you can better understand what is required of you, as well as what your options are in an accident, to help you get the best car insurance by state.

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.

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One of the most basic differences between the states’ car insurance requirements 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:

Average Monthly Car Insurance Rates by Coverage Type

StatesAverage Monthly Liability RatesAverage Monthly Collision RatesAverage Monthly Comprehensive RatesAverage 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

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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 its own rules.

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Frequently Asked Questions

How do I know which car insurance company is the best in my state?

There are several factors to consider when choosing a car insurance company in your state, including their coverage options, customer service reputation, and pricing. You can start by researching the top car insurance providers in your state and reading customer reviews to get an idea of their overall reputation and satisfaction levels.

What are some of the top car insurance companies in California?

Some of the top car insurance companies in California include Geico, State Farm, Progressive, and Farmers Insurance. However, the best company for you will depend on your individual needs and preferences.

What is the best car insurance company in Texas?

The best car insurance company in Texas will depend on your individual needs and preferences. However, some of the top providers in the state include USAA, State Farm, Geico, and Allstate.

What factors should I consider when choosing a car insurance company in Florida?

When choosing a car insurance company in Florida, you should consider factors such as coverage options, pricing, customer service reputation, and financial stability. You may also want to research the company’s claims process and their responsiveness to customer inquiries.

What are some of the top car insurance companies in New York?

Some of the top car insurance companies in New York include Geico, Allstate, State Farm, and Progressive. However, the best company for you will depend on your individual needs and preferences.

Can I purchase car insurance from a provider that is not based in my state?

Yes, you can purchase car insurance from a provider that is not based in your state. However, you will need to ensure that the provider is licensed to sell insurance in your state and that they offer coverage options that meet your state’s minimum requirements.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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Heidi Mertlich

Licensed Insurance Agent

Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...

Licensed Insurance Agent

Jeff Root

Licensed Insurance Agent

Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...

Licensed Insurance Agent

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.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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