Insurance by State

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Insurance by State

Insurance is regulated at the state level in the United States, which means your options, requirements, and costs can vary significantly depending on where you live. Find state-specific information below.

Insurance Costs by State

See how insurance costs compare across the country. Click any state to view its detailed insurance guide.

Skip map

Map shows average annual auto insurance premiums. Green indicates lower costs, red indicates higher costs.

Why State Matters

  • Regulations - Each state has its own insurance department and rules
  • Requirements - Mandatory coverage types differ by state
  • Marketplace - ACA marketplace options vary by location
  • Costs - Premiums and coverage costs differ regionally
  • Providers - Available insurance companies vary by state

California | Texas | Florida | New York | Pennsylvania | Illinois | Ohio | Georgia

Browse by Region

West

Alaska | Arizona | California | Colorado | Hawaii | Idaho | Montana | Nevada | New Mexico | Oregon | Utah | Washington | Wyoming

Midwest

Illinois | Indiana | Iowa | Kansas | Michigan | Minnesota | Missouri | Nebraska | North Dakota | Ohio | South Dakota | Wisconsin

South

Alabama | Arkansas | Delaware | Florida | Georgia | Kentucky | Louisiana | Maryland | Mississippi | North Carolina | Oklahoma | South Carolina | Tennessee | Texas | Virginia | West Virginia

Northeast

Connecticut | Maine | Massachusetts | New Hampshire | New Jersey | New York | Pennsylvania | Rhode Island | Vermont

District of Columbia

Washington, D.C.

Frequently Asked Questions

Why does insurance vary so much by state?
Insurance is regulated at the state level in the US, not federally. Each state has its own insurance department that sets minimum coverage requirements, approves rates, and licenses insurers. This means auto insurance minimums, health marketplace options, and even available providers differ depending on where you live.
How do I find insurance requirements for my state?
Click on your state in the list or map above to view a detailed guide covering auto, health, home, and life insurance specific to your location. Each state guide includes minimum requirements, average costs, the state insurance department contact, and relevant marketplace information.
Do insurance costs really differ that much between states?
Yes, significantly. Auto insurance can cost twice as much in Louisiana compared to Maine. Health insurance premiums vary by 50% or more between states. Home insurance is much higher in disaster-prone areas like Florida and Oklahoma. Our state guides show how your state compares to national averages.
What happens to my insurance if I move to a new state?
You’ll need to update your coverage. Auto insurance must comply with your new state’s minimums. Home/renters policies need to reflect your new address. Health insurance may need to change during a special enrollment period. See our Moving to a New State checklist for a complete guide to transferring coverage.
How do I file a complaint against an insurer in my state?
Contact your state’s insurance department. Every state has a department that handles consumer complaints, investigates insurer practices, and can help resolve disputes. Our state guides include direct links to each state’s insurance department and complaint filing process.
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