Save up to 20% or more on auto insurance from the top car insurance providers now!

Bundle home and auto insurance for bigger discount
Сall us for free
Get free quotes

People need to consider that each state has different auto coverage laws, which they need to be aware of whenever they move or change locations. Different neighborhoods have different risk factors for car insurance as well, and location is one of the most significant determining variables affecting auto insurance prices. Michigan and Florida, as an example, are no-fault states. Due to both this and other factors, people here pay more on average for automobile insurance policies than other areas of the country. Getting the information you need about how each state fairs can have an impact on where you decide to move next, especially if you are looking to be between the border of two states or are looking at multiple neighborhoods.

Cheap And Expensive States For Car Insurance

The least expensive states to get car insurance policies in are North Carolina, Virginia, and Maine. Each of these states is on the East Coast, and each of them is more than 50% lower than the national average cost for car insurance. Across the United States, the national average for auto insurance plans is $1,550. Some states go up in insurance rates each year, while others will go down. This is due to multiple variables, like car insurance providers changing the formulas they use to determine rates and changes in laws in the state.

Other states that find themselves paying less for car insurance on average include New Hampshire, Hawaii, and Ohio. For the most part, states that have more drivers who qualify as low risk and enjoy the cheapest auto insurance rates are less dense states in terms of population. In terms of regions, the Great Plains region and the New England region are the lowest for automobile insurance on average.

The most expensive states tend to be either more dense or no-fault insurance states. The places with the highest auto insurance rates on average are Michigan, Louisiana, and Florida. No-fault car insurance states have laws where drivers pay for their own damages and injuries. Auto insurance companies raise rates to account for the added financial risk they have in these states. Other states find that they have higher prices on average due to natural disasters such as floods and hurricanes, as well as due to the number of uninsured drivers in the state. Kentucky, Rhode Island, Nevada, and California are also more expensive states to get car insurance coverage in.

Car Insurance Risk Factors

Risk factors that automobile insurance providers take into consideration when determining rates include what the laws are in the state. No-fault insurance laws tend to increase the average price for car insurance while having other benefits to them to consider. If a place has a large number of uninsured drivers or a low number of uninsured drivers, that can affect car insurance pricing as well. Outside of natural disasters, the number of vehicles on the road in a given area can increase the number of claims for that area, bringing prices up.

Some risk factors cannot be affected by drivers, such as age and gender. Other factors can be improved upon over time in many cases. This includes variables like your credit score. Increasing your credit score can not only save you on car insurance, but it can also help you get lower interest rates on loans and financing for vehicles and other things. If you have points on your license or a bad driving record, take care to drive safely and improve it. This is another way you can save money on an automobile insurance plan.

Regardless of the risks auto insurance providers see when they determine your rates, shopping around for the best prices on car insurance available in your area is essential. Each company uses different formulas to determine rates, and you can take advantage of this by utilizing the tools at State Insurance. Get the top prices for car insurance available here today.

Bundle home and auto insurance for bigger discount

Car Insurance Rates By State

Whether you are moving to a state that has higher prices on average or one that is on the lower end in terms of pricing for car insurance plans, keep in mind that there are many discounts on car insurance a person can get to help them save money. Also, comparison-shopping is one of the top ways to save on automobile insurance plans. There are numerous factors used to determine what a person pays for car insurance, including profession, gender, driving history, credit score, coverage level, as well as the specific location a person lives in.

State Average Annual Rate
Maine $935.00
North Carolina $950.00
Virginia $1,008.00
New Hampshire $1,037.00
Hawaii $1,045.00
Ohio $1,048.00
Wisconsin $1,070.00
Iowa $1,106.00
Indiana $1,150.00
Vermont $1,160.00
Idaho $1,164.00
Alaska $1,198.00
Washington $1,205.00
State Average Annual Rate
Utah $1,209.00
Illinois $1,222.00
Massachusetts $1,261.00
Nebraska $1,284.00
Minnesota $1,288.00
Arizona $1,299.00
North Dakota $1,325.00
Maryland $1,327.00
South Dakota $1,342.00
New Mexico $1,355.00
South Carolina $1,369.00
Wyoming $1,375.00
Alabama $1,387.00
State Average Annual Rate
Montana $1,387.00
Pennsylvania $1,390.00
Oregon $1,393.00
Missouri $1,410.00
West Virginia $1,420.00
Tennessee $1,423.00
Kansas $1,476.00
Arkansas $1,496.00
Mississippi $1,539.00
Georgia $1,546.00
Connecticut $1,552.00
New Jersey $1,671.00
Colorado $1,757.00
State Average Annual Rate
New York $1,688.00
Oklahoma $1,786.00
California $1,815.00
Texas $1,827.00
Delaware $1,828.00
Nevada $1,975.00
Rhode Island $2,110.00
Kentucky $2,209.00
Florida $2,309.00
Louisiana $2,339.00
Michigan $3,097.00

Use this table to get average annual rates for car insurance. If you are purchasing a new vehicle, keep in mind that the make, year, and model of your car can affect your insurance rate. Also remember that these are car insurance averages in the state, and you may pay more or less than these averages based on your age, driving record, credit, and other factors.


What Happens If You Don’t Pay Your Bill?

Most people choose to pay monthly for their car insurance plans.

Read more >

What Happens If I Hit My Own Car?

It is a story that people have heard more often than they would like to.

Read more >

Does a Speeding Warning Affect Your Insurance?

What people pay for car insurance policies is majorly affected by a large range of variables.

Read more >
Read more articles

Start saving NOW!

with StateInsurance

Bundle home and auto insurance for bigger discount
Сall us
for free

Speak to a licensed agent toll free

1(844) 206-3962 Agents Currently Available