When it comes to choosing a car insurance company, it pays to shop around. Whether you have a teen driver or an imperfect driving record, getting quotes from Apk Kider different companies is the best way to pay less without sacrificing your coverage.
And life events like getting married and moving can influence how much you pay for car insurance, so get quotes every six months or year around renewal time. Check out the average insurance rates by the carrier for major insurance companies in 2022.
Methodology
CarInsurance.com commissioned Quadrant Information Services to report average auto insurance rates for a 2021 Honda Accord LX for about 34K+ ZIP codes in the United States.
Averages are based on insurance for a single, 40-year-old male, with no violations and who commutes 12 miles to work each day. With policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries, and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Your rate depends on your personal factors and vehicle.
Expert recommendations and guides on auto insurance
Auto insurance rates by state change drastically based on your ZIP code and other factors. See how your state ranks for average insurance rates and which states have the cheapest and most expensive auto insurance.
Every state has its own car insurance laws, and that’s one reason why car insurance rates by state vary dramatically. Another reason is that your location is one of the top factors car insurance companies use when setting rates.
Auto insurers assign risk levels to ZIP codes based on the frequency of thefts, collisions, and vandalism to gauge the likelihood of such incidents in an area. This is used as the base rate from which insurers calculate your premium.
Other pricing factors, such as your driving record, the type of car you drive, how much coverage you want, and your age are added into the equation.
Car Insurance in the USA – Rates by State
Where you live plays a major role in how much you pay for car insurance. That’s because your location is used as a springboard for calculating rates.
Most insurance companies consider the number and cost of accident claims in your area and set a base rate accordingly. Then, the rate is adjusted up or down depending on other factors, such as your age, driving record, and the type of car you drive.
Overall, state laws differ in how much insurance you must buy to drive legally. In some states, you need more coverage than others to meet the minimum requirement mandated by state law.
A CarInsurance.com data analysis found that the annual average cost for auto insurance in 2022 is $511 for the state-minimum coverage, $637 for liability-only coverage, and $1,682 for a full-coverage policy with the limits of 100/300/100.*
See how state car insurance rates compare for various coverage levels and find out how your car insurance quotes and rates are affected by age, accidents, non-moving violations, and credit scores in California, Texas, Michigan, and every other state. Learn which coverage limits to get auto insurance quotes for and find expert tips on how to save money on your policy.
Key Highlights
- Ohio, Maine, and Idaho are the cheapest states for car insurance coverage, on average.
- Florida, Louisiana, and Delaware have the most expensive average car insurance rates in the U.S.
- Stolen cars, fraudulent injury claims, no-fault laws, and vandalism are some factors that can drive rates higher in your state.
Average car insurance rates by state
Carinsurance.com gathered car insurance premium data from every state, for nearly every ZIP, so you can see how much you can expect to pay, on average, for automobile insurance in 2022. The editors included data on which states offer the cheapest car insurance by state, on average, and which states have the most expensive car insurance rates, on average.
The national average annual cost for a full-coverage policy is $1,682 per year in 2022, but laws in your state and your driving profile and vehicle profile can cause rates to vary.
The editors’ findings might surprise you. Some of the states with the lowest average annual car insurance premium rates are states where the cost of living, on average, is higher. And some of the smallest and least-populated states in the nation rank among the 10 states with the highest average annual car insurance premium rates.
What are the highest car insurance rates by state?
Based on our research, here’s the ranking of states where average annual car insurance rates are the most expensive:
- Florida: $2,560
- Louisiana: $2,546
- Delaware: $2,137
- Michigan: $2,133
- California: $2,115
- Kentucky: $2,105
- Missouri: $2,104
- Nevada: $2,023
- New York: $2,020
- Nebraska: $2,018
What are the highest car insurance rates by state?
Based on our research, here’s the ranking of states where average annual car insurance rates are the most expensive:
- Florida: $2,560
- Louisiana: $2,546
- Delaware: $2,137
- Michigan: $2,133
- California: $2,115
- Kentucky: $2,105
- Missouri: $2,104
- Nevada: $2,023
- New York: $2,020
- Nebraska: $2,018
A contract to protect you and your vehicle from unforeseen risks.
Car insurance is a contract between you and an insurance company that provides financial protection in case of an accident or if your car is damaged by other means, such as severe weather. The contract outlines how much the insurance company pays for vehicle repairs and medical bills.