Auto Insurance Costs by State: 2025 Complete Comparison Guide
Auto insurance rates vary dramatically across the United States. Drivers in Michigan pay nearly three times what drivers in Maine pay for the same coverage. Understanding these differences helps you budget accurately and know if you’re getting a fair rate.
Interactive Cost Map
Use the map below to explore auto insurance costs across all 50 states. Hover over any state to see its average premium and ranking. Green states have lower costs; red states have higher costs.
Skip mapNational Overview
National average annual premium: $1,935 (full coverage) Cheapest state: Maine ($864/year) Most expensive state: Michigan ($3,096/year)
Complete State-by-State Cost Rankings
Full Coverage Auto Insurance by State (Annual Premiums)
| Rank | State | Annual Premium | vs. National Avg |
|---|---|---|---|
| 1 | Maine | $864 | -55% |
| 2 | Vermont | $932 | -52% |
| 3 | New Hampshire | $941 | -51% |
| 4 | Idaho | $972 | -50% |
| 5 | Ohio | $998 | -48% |
| 6 | Wisconsin | $1,012 | -48% |
| 7 | North Carolina | $1,034 | -47% |
| 8 | Iowa | $1,056 | -45% |
| 9 | Virginia | $1,089 | -44% |
| 10 | Indiana | $1,102 | -43% |
| 11 | Utah | $1,118 | -42% |
| 12 | Oregon | $1,134 | -41% |
| 13 | South Dakota | $1,145 | -41% |
| 14 | Nebraska | $1,156 | -40% |
| 15 | Montana | $1,167 | -40% |
| 16 | Wyoming | $1,178 | -39% |
| 17 | North Dakota | $1,189 | -39% |
| 18 | Tennessee | $1,212 | -37% |
| 19 | Minnesota | $1,234 | -36% |
| 20 | Kansas | $1,256 | -35% |
| 21 | Hawaii | $1,278 | -34% |
| 22 | Washington | $1,312 | -32% |
| 23 | Missouri | $1,345 | -30% |
| 24 | Pennsylvania | $1,378 | -29% |
| 25 | Alaska | $1,398 | -28% |
| 26 | Illinois | $1,423 | -26% |
| 27 | Arkansas | $1,456 | -25% |
| 28 | Alabama | $1,478 | -24% |
| 29 | Arizona | $1,512 | -22% |
| 30 | West Virginia | $1,534 | -21% |
| 31 | Oklahoma | $1,567 | -19% |
| 32 | New Mexico | $1,589 | -18% |
| 33 | Massachusetts | $1,612 | -17% |
| 34 | Kentucky | $1,645 | -15% |
| 35 | Mississippi | $1,678 | -13% |
| 36 | South Carolina | $1,723 | -11% |
| 37 | Maryland | $1,756 | -9% |
| 38 | Georgia | $1,834 | -5% |
| 39 | Texas | $1,889 | -2% |
| 40 | Connecticut | $1,945 | +1% |
| 41 | Colorado | $1,978 | +2% |
| 42 | Delaware | $2,034 | +5% |
| 43 | Nevada | $2,089 | +8% |
| 44 | Rhode Island | $2,145 | +11% |
| 45 | California | $2,234 | +15% |
| 46 | New York | $2,456 | +27% |
| 47 | New Jersey | $2,534 | +31% |
| 48 | Louisiana | $2,678 | +38% |
| 49 | Florida | $2,834 | +46% |
| 50 | Michigan | $3,096 | +60% |
Rates based on full coverage (100/300/100 liability, comprehensive, collision) for a 35-year-old driver with clean record.
Regional Analysis
Northeast (Highest Average: $1,823)
| State | Annual Premium | Key Cost Driver |
|---|---|---|
| Maine | $864 | Rural roads, low density |
| Vermont | $932 | Low population, few claims |
| New Hampshire | $941 | No mandatory insurance law |
| Pennsylvania | $1,378 | Urban/rural mix |
| Massachusetts | $1,612 | High repair costs |
| Connecticut | $1,945 | Dense traffic, high incomes |
| Rhode Island | $2,145 | Small state, high density |
| New York | $2,456 | NYC congestion, no-fault law |
| New Jersey | $2,534 | Most densely populated state |
Southeast (Average: $1,712)
| State | Annual Premium | Key Cost Driver |
|---|---|---|
| North Carolina | $1,034 | Rate bureau regulation |
| Virginia | $1,089 | Competitive market |
| Tennessee | $1,212 | No-fault rejected |
| Alabama | $1,478 | Limited tort options |
| Mississippi | $1,678 | High uninsured rate |
| South Carolina | $1,723 | High accident rate |
| Georgia | $1,834 | Atlanta traffic |
| Louisiana | $2,678 | Litigation-friendly courts |
| Florida | $2,834 | No-fault, PIP requirements, fraud |
Midwest (Lowest Average: $1,198)
| State | Annual Premium | Key Cost Driver |
|---|---|---|
| Ohio | $998 | Competitive market |
| Wisconsin | $1,012 | Strong regulation |
| Iowa | $1,056 | Rural, low crime |
| Indiana | $1,102 | Competitive pricing |
| South Dakota | $1,145 | Low population density |
| Nebraska | $1,156 | Agricultural state |
| North Dakota | $1,189 | Sparse population |
| Minnesota | $1,234 | No-fault state, good roads |
| Kansas | $1,256 | Low urban density |
| Missouri | $1,345 | St. Louis/KC impact |
| Illinois | $1,423 | Chicago drives costs |
| Michigan | $3,096 | Unlimited PIP (changing) |
West (Average: $1,456)
| State | Annual Premium | Key Cost Driver |
|---|---|---|
| Idaho | $972 | Rural, low population |
| Utah | $1,118 | Young population |
| Oregon | $1,134 | No-fault rejected |
| Montana | $1,167 | Low density |
| Wyoming | $1,178 | Sparse population |
| Hawaii | $1,278 | Island logistics |
| Washington | $1,312 | Seattle traffic |
| Alaska | $1,398 | Repair/parts costs |
| Arizona | $1,512 | Retiree discounts offset heat damage |
| New Mexico | $1,589 | High uninsured rate |
| Colorado | $1,978 | Hail, population growth |
| Nevada | $2,089 | Las Vegas tourism |
| California | $2,234 | Traffic, regulations, repair costs |
Southwest (Average: $1,826)
| State | Annual Premium | Key Cost Driver |
|---|---|---|
| Texas | $1,889 | Large state, urban centers |
| Oklahoma | $1,567 | Weather damage |
| Arkansas | $1,456 | Rural poverty |
What Drives Auto Insurance Costs by State?
1. State Insurance Laws
No-Fault vs. Tort States
| System | States | Impact |
|---|---|---|
| No-Fault | FL, MI, NJ, NY, PA, HI, KS, KY, MA, MN, ND, UT | Higher premiums due to PIP requirements |
| Tort (At-Fault) | All others | Generally lower premiums |
Michigan’s unlimited Personal Injury Protection (PIP) historically made it the most expensive state. Recent reforms now allow drivers to choose lower PIP limits.
2. Minimum Coverage Requirements
| State | Liability Minimum | Impact on Base Rates |
|---|---|---|
| California | 15/30/5 | Low minimums = cheaper basic policies |
| Alaska | 50/100/25 | High minimums = higher base rates |
| Texas | 30/60/25 | Moderate requirements |
| Florida | 10/20/10 (PIP) | Low liability, but PIP adds cost |
3. Population Density and Traffic
Urban areas mean more accidents, theft, and vandalism:
| Metro Area | Premium Impact |
|---|---|
| New York City | +45% vs. rural NY |
| Los Angeles | +35% vs. rural CA |
| Miami | +40% vs. rural FL |
| Detroit | +50% vs. rural MI |
| Chicago | +30% vs. rural IL |
4. Weather and Natural Disasters
| Risk Factor | Affected States | Annual Claim Impact |
|---|---|---|
| Hurricanes | FL, LA, TX, NC, SC | +$200-500/year |
| Hail | CO, TX, OK, NE, KS | +$150-300/year |
| Winter storms | Northern states | +$50-150/year |
| Wildfires | CA, OR, WA | +$100-200/year |
5. Uninsured Driver Rates
States with high uninsured motorist rates have higher premiums for insured drivers:
| State | Uninsured Rate | Premium Impact |
|---|---|---|
| Mississippi | 29% | +$200/year |
| Michigan | 26% | +$180/year |
| Tennessee | 24% | +$160/year |
| New Mexico | 22% | +$150/year |
| Florida | 21% | +$140/year |
| National Average | 13% | Baseline |
Cost Comparison: Minimum vs. Full Coverage
| State | Minimum Only | Full Coverage | Difference |
|---|---|---|---|
| Maine | $312 | $864 | +$552 |
| Ohio | $378 | $998 | +$620 |
| Texas | $567 | $1,889 | +$1,322 |
| California | $534 | $2,234 | +$1,700 |
| Florida | $789 | $2,834 | +$2,045 |
| Michigan | $1,023 | $3,096 | +$2,073 |
How to Save on Auto Insurance in Any State
1. Shop Around (Saves 20-40%)
Rates vary significantly between insurers in every state. Get at least 3-5 quotes.
2. Bundle Policies (Saves 10-25%)
Combine auto with home/renters insurance for multi-policy discounts.
3. Increase Deductibles (Saves 15-30%)
Raising your deductible from $500 to $1,000 typically cuts premiums 15-20%.
4. Ask About Discounts
Common discounts by state:
| Discount | Typical Savings | Availability |
|---|---|---|
| Good driver | 10-25% | All states |
| Multi-vehicle | 10-25% | All states |
| Good student | 5-15% | All states |
| Defensive driving course | 5-10% | Most states |
| Low mileage | 5-15% | All states |
| Pay-in-full | 5-10% | All states |
| Paperless/autopay | 3-8% | Most states |
5. Maintain Good Credit (Where Legal)
Credit-based insurance scores affect rates in most states:
| Credit Tier | Rate Impact |
|---|---|
| Excellent (800+) | -20% to -30% |
| Good (670-799) | Baseline |
| Fair (580-669) | +20% to +40% |
| Poor (below 580) | +50% to +100% |
States where credit can’t be used: California, Hawaii, Massachusetts, Michigan (limited)
State-Specific Considerations
States with Unique Requirements
| State | Special Requirement |
|---|---|
| Florida | PIP (Personal Injury Protection) required |
| Michigan | PIP required (now with coverage choices) |
| New Hampshire | No mandatory insurance (but financial responsibility) |
| Virginia | Can pay $500 uninsured motorist fee instead |
| New Jersey | Basic vs. Standard policy choice |
| Pennsylvania | Limited vs. Full tort choice |
Best States for Young Drivers
Young drivers (under 25) pay significantly more everywhere, but some states are friendlier:
| State | Young Driver Surcharge |
|---|---|
| Maine | +45% |
| Vermont | +48% |
| North Carolina | +52% |
| Ohio | +55% |
| National Average | +80% |
| Michigan | +120% |
| Louisiana | +115% |
| Florida | +110% |
Moving Between States
When you relocate, expect rate changes:
| Move | Typical Impact |
|---|---|
| Michigan → Ohio | -65% savings |
| Florida → North Carolina | -60% savings |
| New York → Virginia | -55% savings |
| California → Arizona | -30% savings |
| Maine → Florida | +225% increase |
| Ohio → Michigan | +210% increase |
Important: You must update your policy within 30-90 days of moving (varies by state). Driving with out-of-state insurance can void your coverage.
Conclusion
Auto insurance costs vary by over 250% between states. The key factors are state laws (no-fault vs. tort), population density, weather risks, and local claims costs.
Cheapest states: Maine, Vermont, New Hampshire, Idaho, Ohio Most expensive states: Michigan, Florida, Louisiana, New Jersey, New York
Regardless of where you live, shopping around and maintaining a clean driving record are the most effective ways to minimize your premiums.
Rates shown are averages for illustrative purposes. Your actual premium depends on your driving record, vehicle, coverage choices, and other personal factors. Get personalized quotes from multiple insurers for accurate pricing.
Tools
- Auto Insurance Coverage Calculator - Estimate your coverage needs based on your vehicle and situation
Related Guides
- Auto Insurance Coverage Guide - Complete guide to auto coverage types and costs
- Find Your State Insurance Guide - State-by-state insurance information
- Insurance for Young Adults - Coverage tips for younger drivers
Data Sources
Cost data in this guide comes from state insurance department filings and industry reports. Learn more about our data collection and calculation methods on our Methodology page.
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