Every state in the U.S. has different car insurance rates — learn which states pay the highest and lowest minimum and full-coverage rates on average.
Discover if you are overpaying for car insurance below.
Partner content: This content was created by a business partner of Dow Jones, independent of the MarketWatch newsroom. Links in this article may result in us earning a commission. Learn More
Every state in the U.S. has different car insurance rates — learn which states pay the highest and lowest minimum and full-coverage rates on average.
Discover if you are overpaying for car insurance below.
With our comparison partner,
Key Takeaways:
In this article, the MarketWatch Guides team will outline average car insurance rates by state. Our team has also ranked the cheapest and best car insurance companies to help you compare options and find the best coverage for your needs.
Learn more about our methodology and editorial guidelines.
Below, you can compare average full and minimum coverage costs by state and see how much rates have changed from 2023 to 2024.
The table below shows average full-coverage car insurance rates for every state and Washington, D.C. All the following cost estimates are for a 35-year-old driver with good credit and a clean driving record:
State | Average Annual Minimum-Liability Premium | Average Annual Full-Coverage Premium |
Alabama | $502 | $1,775 |
Alaska | $486 | $1,685 |
Arizona | $635 | $2,008 |
Arkansas | $451 | $2,038 |
California | $602 | $2,313 |
Colorado | $566 | $2,173 |
Connecticut | $980 | $1,919 |
Delaware | $1,194 | $2,881 |
Florida | $1,385 | $3,244 |
Georgia | $680 | $1,973 |
Hawaii | $529 | $1,656 |
Idaho | $378 | $1,402 |
Illinois | $441 | $1,541 |
Indiana | $432 | $1,587 |
Iowa | $274 | $1,563 |
Kansas | $475 | $1,918 |
Kentucky | $682 | $2,522 |
Louisiana | $925 | $3,040 |
Maine | $380 | $1,238 |
Maryland | $901 | $1,833 |
Massachusetts | $754 | $2,430 |
Michigan | $1,360 | $3,643 |
Minnesota | $481 | $1,766 |
Mississippi | $453 | $1,658 |
Missouri | $560 | $2,104 |
Montana | $398 | $1,979 |
Nebraska | $356 | $1,871 |
Nevada | $1,283 | $2,788 |
New Hampshire | $415 | $1,362 |
New Jersey | $1,332 | $2,513 |
New Mexico | $536 | $1,943 |
New York | $870 | $2,088 |
North Carolina | $469 | $1,627 |
North Dakota | $445 | $1,916 |
Ohio | $536 | $1,599 |
Oklahoma | $516 | $2,278 |
Oregon | $953 | $1,925 |
Pennsylvania | $437 | $1,981 |
Rhode Island | $1,036 | $2,357 |
South Carolina | $701 | $1,845 |
South Dakota | $328 | $2,291 |
Tennessee | $404 | $1,524 |
Texas | $683 | $2,205 |
Utah | $732 | $1,928 |
Vermont | $310 | $1,199 |
Virginia | $545 | $1,781 |
Washington | $561 | $1,616 |
Washington, D.C. | $686 | $2,218 |
West Virginia | $604 | $2,177 |
Wisconsin | $408 | $1,694 |
Wyoming | $308 | $1,702 |
Below, we’ve summarized the states with the highest car insurance rates by state for minimum and full coverage.
These are the most expensive states for full-coverage car insurance:
Drivers in these states pay the highest rates on average for minimum-liability car insurance:
In the sections below, we’ve broken down the cheapest states for car insurance for both minimum and full coverage.
For full-coverage auto policies, you’ll find the cheapest car insurance on average in the following states:
The following states boast cheap car insurance rates for minimum-liability coverage:
The price you pay for car insurance is determined by a wide range of variables. Providers focus on the following criteria when setting auto insurance premiums:
The average cost of car insurance can vary significantly from one state to another. Drivers in Michigan and Florida pay some of the highest rates in the nation for both minimum liability and full-coverage policies. Vermont and Maine are two of the cheapest states for full coverage, while Iowa and Wyoming are cheaper for minimum coverage.
Wherever you live, the way to find the best price on auto coverage is to compare car insurance quotes from multiple providers. Travelers and State Farm, two of our top-rated insurance companies, are ideal places to begin your search for the right coverage.
Travelers is a popular insurance provider that offers a variety of coverage options, plentiful discounts and affordable rates. The company’s IntelliDrive® program that can reduce insurance costs through safe driving habits. Travelers offers a variety of discounts for good drivers and similar discounts for customers with multiple covered vehicles. The company holds an A++ financial strength rating from AM Best and an A rating from the Better Business Bureau (BBB).
Keep reading: Travelers Insurance Review
State Farm’s variety of coverage options, competitive rates and excellent industry reputation put it in one of the top spots of our industry-wide review. The company offers standard auto coverage options along with a range of add-on policies. Drive Safe & Save™ is State Farm’s usage-based program, which allows drivers to save up to 30% upon policy renewal if they display safe driving habits while enrolled.
Keep reading: State Farm Insurance Review
Below are frequently asked questions about car insurance rates by state:
If paid on a monthly basis, $200 is a lot to pay for car insurance. The national average costs for car insurance are $52 per month for minimum liability coverage and $167 per month for a full-coverage auto insurance policy. However, costs vary widely based on location, so $200 may be closer to the average cost of coverage in your state.
Yes, a higher credit score leads to lower car insurance rates in all states except California, Hawaii, Massachusetts and Michigan. Your age, gender, driving record and where you live also play key roles in determining the cost of car insurance.
Our data shows Michigan has the highest car insurance on average with full-coverage rates of $3,643 per year or $304 per month.
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
Our credentials:
*Data accurate at time of publication.
If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides.