States with the most expensive car insurance rates
State legislation, climate, accident rates, and risk play a significant role in insurance pricing. Insurify updates state and insurance company rates below monthly, though the order of most and least expensive states may slightly change as prices fluctuate. These states have the most expensive car insurance as of September 2023.
1. Michigan
Michigan has the most expensive car insurance in the country. Drivers pay an average monthly rate of $246 compared to the national average of $159. Car insurance premiums increased by 31% in Michigan in the first half of 2023 — a significantly higher jump than the 17% increase nationwide.
Michigan is one of 12 no-fault states, meaning each driver’s own insurer pays medical claims after an accident, regardless of who caused the collision. In theory, no-fault laws speed up the claims process and reduce litigation, but they leave loopholes for scammers that can drive up statewide rates. As a result, drivers in no-fault states pay an average of 13% more for auto insurance than drivers in at-fault states, Insurify data shows.
Additionally, the Michigan Catastrophic Claims Association, which manages the state’s catastrophic claims fund, increased fees for drivers in July 2023. Drivers with unlimited personal injury protection must pay $122 a year, up from $86. Still, a few insurance companies in Michigan offer more affordable coverage.
The below rates are estimated rates current as of: Thursday, August 1 at 12:00 PM PDT.
| Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
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Auto-Owners | $112 | $64 |
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USAA | $113 | $64 |
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Chubb | $123 | $70 |
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GEICO | $171 | $97 |
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Safeco | $171 | $106 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
2. Florida
Like Michigan, Florida has no-fault insurance laws, which can leave room for fraud. At $7,250, the median amount paid per injury claim is 54% higher than the U.S. average of $4,700, according to the Insurance Research Council.[3]
In March 2023, Florida enacted HB 837, legislation designed to reduce frivolous litigation against insurance companies. The number of property damage liability claims per 100 insured vehicles is 10% higher in Florida than the national average. But fraud isn’t the only factor driving up insurance prices. Climate catastrophes are also affecting rates in Florida. Nearly one-third of Florida counties are in “relatively high” or “very high” climate risk zones, according to data from FEMA.[4]
Hurricanes and other natural disasters increase the frequency and severity of claims, and those costs trickle down to Florida policyholders, who pay an average monthly rate of $218. Florida drivers can find cheaper coverage with a few insurance companies that offer lower-than-average rates.
The below rates are estimated rates current as of: Thursday, August 1 at 12:00 PM PDT.
| Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
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State Farm | $84 | $67 |
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GEICO | $86 | $69 |
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Allstate | $146 | $116 |
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Travelers | $173 | $138 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
3. Nevada
Nevada drivers face one of the country’s most expensive car insurance rates and have the second-fastest-rising costs, with a 36% increase in the first half of 2023. The state’s average monthly auto insurance costs now hover at $270.
Out-of-town drivers who are unfamiliar with local roads may pose a higher accident risk and contribute to Nevada’s high insurance rates. Las Vegas is the second-largest travel and tourism market in the U.S., according to the World Travel & Tourism Council.[5]
In 2022, the state saw its fifth-deadliest year on the roads in the past three decades, with 382 traffic fatalities. Impairment and speeding are the largest factors related to deadly crashes in Nevada.[6] Severe accidents result in more expensive claims, and companies readjust insurance pricing across the state accordingly. Some Nevada insurers offer more affordable rates than others.
The below rates are estimated rates current as of: Thursday, August 1 at 12:00 PM PDT.
| Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
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COUNTRY Financial | $57 | $35 |
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State Farm | $83 | $51 |
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GEICO | $100 | $61 |
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USAA | $116 | $72 |
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Allstate | $149 | $92 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
4. Connecticut
Connecticut drivers pay an average of $290 monthly for car insurance, compared to the $159 national average. Though Connecticut’s car insurance costs are the fourth-highest in the U.S., drivers spend less than 3% of their household income on coverage. For comparison, Louisiana drivers pay 6% and have the fifth-highest costs.
The state’s car insurance costs may be higher because Connecticut has more affluent residents, with a median household income of more than $83,000 compared to just over $69,000 nationwide.[7] Well-off drivers may buy more expensive vehicles, and luxury cars tend to have higher insurance premiums since repairs and replacement parts are costly.
Comparing rates is the best way to find affordable car insurance in Connecticut. State Farm currently offers the cheapest liability-only insurance, with an average monthly rate of $57.
The below rates are estimated rates current as of: Thursday, August 1 at 12:00 PM PDT.
| Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
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State Farm | $96 | $57 |
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GEICO | $118 | $70 |
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USAA | $131 | $78 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
5. Louisiana
Louisiana drivers pay a monthly average of $207 for car insurance. Rates only increased by 6% in the first six months of 2023 compared to 17% nationwide.
Insurance companies are likely charging higher rates in Louisiana because of the risk of severe weather and natural disasters, which can lead to costly car repairs and replacements for drivers with comprehensive coverage. Insurers paid or reserved to pay $13.9 billion for Hurricane Ida damage alone, according to the Louisiana Department of Insurance.[8]
Louisiana drivers can still find rates as low as $72 from State Farm, so it’s a good idea to compare policies to find the best deal.
The below rates are estimated rates current as of: Thursday, August 1 at 12:00 PM PDT.
| Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
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State Farm | $120 | $72 |
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USAA | $150 | $90 |
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Allstate | $194 | $116 |
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GEICO | $195 | $117 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
6. South Carolina
South Carolina saw a 19% increase in car insurance premiums in the first six months of 2023, and the average cost of an annual premium surpassed $2,000. Drivers currently pay an average monthly rate of $224.
The state’s high accident rate could be affecting car insurance costs. Twelve percent of South Carolina drivers had an at-fault accident on record compared to the national average of 8.8%. South Carolina also has the highest fatal crash rate in the country, according to Insurance Institute for Highway Safety (IIHS) data.[9]
South Carolina drivers with an at-fault accident on record pay a monthly average of $233 for liability-only insurance. USAA provides the state’s cheapest liability-only coverage overall, at an average monthly rate of $51.
The below rates are estimated rates current as of: Thursday, August 1 at 12:00 PM PDT.
| Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
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USAA | $89 | $51 |
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Auto-Owners | $96 | $55 |
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State Farm | $98 | $56 |
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Nationwide | $145 | $83 |
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Allstate | $153 | $88 |
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State Auto | $200 | $114 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
7. Maryland
Maryland drivers pay a monthly average of $264 for car insurance. Policyholders saw a 13% increase in the first six months of 2023 — a slightly lower-than-average spike compared to 17% nationally.
Like South Carolina, the number of accidents may influence the state’s high insurance premiums. Maryland has the sixth-highest at-fault accident rate in the country, which could be raising the average cost of car insurance.
Maryland drivers may find rates as low as $103 from USAA. The cheapest policy for you depends on your driving record, age, proof of prior insurance, vehicle type, and other unique factors.
The below rates are estimated rates current as of: Thursday, August 1 at 12:00 PM PDT.
| Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
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USAA | $154 | $103 |
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GEICO | $182 | $122 |
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State Farm | $198 | $133 |
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Erie | $224 | $150 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
8. New York
New York only saw a 3% increase in car insurance costs in the first six months of 2023, but rates in the state were already higher than average. Drivers in the Empire State currently pay an average of $170.
New York is the eighth most densely populated state, according to U.S. Census data, and crowded roads can increase the risk of accidents. Larger populations typically mean drivers are at a higher risk of accidents and therefore are more likely to file a claim, increasing the risk for insurance companies.
Shopping around can help New York drivers save, with liability-only rates as low as $123 from CSAA.
The below rates are estimated rates current as of: Thursday, August 1 at 12:00 PM PDT.
| Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
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CSAA | $185 | $123 |
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Safeco | $187 | $162 |
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Liberty Mutual | $283 | $198 |
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Progressive | $329 | $234 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
9. Georgia
Georgia’s car insurance costs increased slightly less than the national average, with a 15% spike in the first half of 2023. Drivers currently pay a monthly average of $193.
More than 10% of Georgia drivers have an at-fault accident on record, which is 20% more drivers than the national average. A large number of accidents combined with the high risk of natural disasters could account for Georgia’s expensive car insurance rates.
Georgia drivers may need to hunt for a good deal on car insurance. Auto-Owners offers liability-only coverage for as low as $61.
The below rates are estimated rates current as of: Thursday, August 1 at 12:00 PM PDT.
| Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
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Auto-Owners | $95 | $61 |
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State Farm | $102 | $66 |
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COUNTRY Financial | $103 | $67 |
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Allstate | $111 | $72 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
10. Kentucky
Kentucky drivers saw a 6% decrease in car insurance premiums in the first six months of 2023 but still pay the 10th most for coverage. The current average cost of auto insurance in Kentucky is $245.
Kentucky has a higher fatal crash rate than the U.S. average, with 17.9 deaths per 100,000 residents compared to 12.9 per 100,000 nationwide.[9] The state also has no-fault laws, which are associated with higher car insurance rates.
Auto-Owners currently offers the cheapest car insurance in Kentucky, with an average liability-only rate of $59.
The below rates are estimated rates current as of: Thursday, August 1 at 12:00 PM PDT.
| Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
---|
Auto-Owners | $95 | $61 |
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State Farm | $102 | $66 |
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Safeco | $160 | $98 |
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GEICO | $165 | $106 |
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National General | $273 | $170 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.