Average car insurance costs by company

Every car insurance company sets rates based on dozens of factors, including your driving history, location, vehicle and demographics. They’re making an educated guess about how likely you are to file a claim in the future and setting your price accordingly.

Please Do Select from below at least two companies to compare your best rates.

Each insurer treats each factor differently. If you have poor credit, one insurer might charge you 10% more for the policy, while another would charge 40% more. A discount for being claim-free in recent years might earn you a 20% discount with one company and 5% at another.

All this results in very different rates from one person to the next. This is why the company that gives your friend super-low rates might not be the cheapest for you. Here are annual rates for many of the nation’s largest insurers, for full and minimum

Bear in mind that state regulations heavily affect prices, and some of these companies are primarily available in “cheap” or “expensive” states for auto insurance. We can get rates from up to 15 of the largest carriers in a state, so many smaller insurers aren’t included due to a lack of pricing data.

Cost of auto insurance in each state

Rank	State	Full coverage	Minimum coverage	Difference
1	Michigan	$8,723	$5,282	$3,441
2	Rhode Island	$3,847	$1,589	$2,258
3	Louisiana	$3,525	$1,329	$2,196
4	Kentucky	$3,418	$1,338	$2,079
5	Florida	$3,370	$2,565	$805
6	Nevada	$3,190	$1,295	$1,895
7	Colorado	$3,164	$1,075	$2,089
8	New Jersey	$3,013	$1,182	$1,831
9	Washington D.C.	$2,793	$1,260	$1,533
10	New York	$2,752	$1,323	$1,429
11	Arizona	$2,699	$980	$1,719
12	Oklahoma	$2,659	$742	$1,916
13	Connecticut	$2,619	$1,192	$1,428
14	Georgia	$2,619	$1,114	$1,505
15	Texas	$2,594	$890	$1,704
16	Missouri	$2,584	$874	$1,710
17	Utah	$2,538	$1,105	$1,433
18	Montana	$2,525	$641	$1,884
19	Delaware	$2,513	$1,316	$1,197
20	Maryland	$2,431	$1,180	$1,251
21	South Dakota	$2,338	$420	$1,917
22	Illinois	$2,313	$878	$1,435
23	Minnesota	$2,271	$983	$1,289
24	Arkansas	$2,213	$677	$1,536
25	Mississippi	$2,208	$749	$1,459
26	Oregon	$2,205	$1,136	$1,070
27	New Mexico	$2,194	$699	$1,495
28	Kansas	$2,190	$654	$1,535
29	West Virginia	$2,131	$685	$1,447
30	Wyoming	$2,118	$485	$1,632
31	Alabama	$2,078	$736	$1,342
32	Nebraska	$2,038	$599	$1,439
33	Pennsylvania	$2,018	$615	$1,403
34	South Carolina	$2,013	$854	$1,158
35	New Hampshire	$2,004	$643	$1,361
36	North Dakota	$1,979	$528	$1,451
37	Massachusetts	$1,866	$646	$1,219
38	Tennessee	$1,821	$577	$1,243
39	California	$1,804	$574	$1,230
40	Idaho	$1,777	$606	$1,171
41	Vermont	$1,769	$552	$1,217
42	Washington	$1,691	$706	$985
43	Ohio	$1,688	$561	$1,127
44	Wisconsin	$1,590	$486	$1,104
45	Alaska	$1,502	$485	$1,016
46	Virginia	$1,498	$607	$891
47	Indiana	$1,489	$498	$991
48	Iowa	$1,482	$357	$1,124
49	North Carolina	$1,434	$542	$892
50	Hawaii	$1,340	$475	$865
51	Maine	$1,268	$489	$779

Rates are the average annual premium for a policy across insurers.

Cheapest states for minimum coverage car insurance

State	Cost per year	Cost per month
Iowa	$357	$30
South Dakota	$420	$35
Hawaii	$475	$40

Most expensive states for minimum coverage car insurance

State	Cost per year	Cost per month
Michigan	$5,282	$440
Florida	$2,565	$214
Rhode Island	$1,589	$132

Shoppers that want greater protection against property damage to their vehicle may consider purchasing full coverage auto insurance.

Cheapest states for full coverage car insurance

State	Cost per year	Cost per month
Maine	$1,268	$106
Hawaii	$1,340	$112
North Carolina	$1,434	$120

Most expensive states for full coverage car insurance

State	Cost per year	Cost per month
Michigan	$8,723	$727
Rhode Island	$3,847	$321
Louisiana	$3,525	$294