Car insurance rates by state for 2022

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Among the many factors that impact your auto insurance rates, where you live might be one of the most important. Even in states where ZIP codes cannot be used as a factor in determining rates, you may find that your state’s average cost of car insurance may be significantly different compared to a neighboring state. Car insurance rates by state can vary a lot, often by hundreds or even thousands of dollars.

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Contents
  1. Compare auto insurance rates
  2. Rates increased up to 12% this year.
  3. Compare auto insurance rates
  4. Car insurance rates by state
  5. Alabama
  6. Alaska
  7. Arizona
  8. Arkansas
  9. California
  10. Colorado
  11. Connecticut
  12. Delaware
  13. Florida
  14. Georgia
  15. Hawaii
  16. Idaho
  17. Illinois
  18. Indiana
  19. Iowa
  20. Kansas
  21. Kentucky
  22. Louisiana
  23. Maine
  24. Maryland
  25. Massachusetts
  26. Michigan
  27. Minnesota
  28. Mississippi
  29. Missouri
  30. Montana
  31. Nebraska
  32. Nevada
  33. New Hampshire
  34. New Jersey
  35. New Mexico
  36. New York
  37. North Carolina
  38. North Dakota
  39. Ohio
  40. Oklahoma
  41. Oregon
  42. Pennsylvania
  43. Rhode Island
  44. South Carolina
  45. South Dakota
  46. Tennessee
  47. Texas
  48. Utah
  49. Vermont
  50. Virginia
  51. Washington
  52. Washington D.C.
  53. West Virginia
  54. Wisconsin
  55. Wyoming
  56. No-fault states
  57. Frequently asked questions
  58. Methodology

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Rates increased up to 12% this year.

Costs will continue to rise through 2022. Shop for a better rate before you renew your current policy.

Advertising Disclosure This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers. Are you insuring multiple vehicles? Yes Checkmark No Checkmark Are you currently insured? Yes Checkmark No Checkmark Are you a homeowner? Yes Checkmark No Checkmark Age Caret DownCaret Up

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Drivers switch & save an average of $750+/year

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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The national annual average for car insurance is $1,771 for full coverage and $545 per year for minimum coverage. Bankrate gathered average 2022 car insurance premiums from Quadrant Information Services and researched the insurance requirements for each state to give you the information you need about your state as you get started in your insurance shopping journey.

Car insurance rates by state

The table below lists the average car insurance rates in each state for both the state’s minimum coverage levels and full coverage car insurance, which includes comprehensive and collision coverage. Each state’s minimum liability car insurance limits are listed as three numbers separated by a slash, indicating the state’s liability coverage requirements for bodily injury liability per person, bodily injury liability per accident and property damage liability per accident.

Car insurance rates vary by state and insurance carrier since there are a number of factors affecting premiums. Factors might include road conditions, the number of drivers or traffic density in a city, cost of living as it relates to repair labor costs, the percentage of uninsured drivers and any other factors impacting the overall risk of drivers, such as claims in the area from at-fault accidents and weather-related incidents.

State Minimum liability coverage limits (in thousands) Average annual cost of full coverage Average annual cost of minimum coverage
Alabama 25/50/25 $443 $1,760
Alaska 50/100/25 $417 $1,770
Arizona 25/50/15 $579 $1,743
Arkansas 25/50/25 $437 $1,806
California 15/30/5 $619 $2,190
Colorado 25/50/15 $495 $2,019
Connecticut 25/50/25 $646 $1,533
Delaware 25/50/10 $747 $1,963
Florida 10/20/10 $997 $2,762
Georgia 25/50/25 $630 $1,985
Hawaii 20/40/10 $338 $1,206
Idaho 25/50/15 $271 $1,065
Illinois 25/50/20 $477 $1,548
Indiana 25/50/25 $329 $1,242
Iowa 20/40/15 $227 $1,254
Kansas 25/50/25 $419 $1,802
Kentucky 25/50/25 $658 $1,954
Louisiana 15/30/25 $807 $2,864
Maine 50/100/25 $227 $876
Maryland 30/60/15 $836 $1,931
Massachusetts 20/40/5 $446 $1,296
Michigan 50/100/10 $946 $2,345
Minnesota 30/60/10 $600 $1,692
Mississippi 25/50/25 $450 $1,701
Missouri 25/50/25 $504 $1,861
Montana 25/50/20 $310 $1,795
Nebraska 25/50/25 $367 $1,538
Nevada 25/50/20 $846 $2,426
New Hampshire 25/50/25 $324 $1,182
New Jersey 15/30/5 $855 $1,891
New Mexico 25/50/10 $347 $1,489
New York 25/50/10 $1,339 $2,996
North Carolina 30/60/25 $431 $1,392
North Dakota 25/50/25 $268 $1,225
Ohio 25/50/25 $336 $1,200
Oklahoma 25/50/25 $408 $1,902
Oregon 25/50/20 $625 $1,371
Pennsylvania 15/30/5 $441 $2,002
Rhode Island 25/50/25 $569 $1,847
South Carolina 25/50/25 $518 $1,464
South Dakota 25/50/25 $274 $1,542
Tennessee 25/50/15 $372 $1,383
Texas 30/60/25 $551 $1,868
Utah 25/65/15 $544 $1,449
Vermont 25/50/10 $242 $1,000
Virginia 30/60/20 $475 $1,340
Washington 25/50/10 $482 $1,313
Washington, D.C. 25/50/10 $613 $1,948
West Virginia 25/50/25 $427 $1,527
Wisconsin 25/50/10 $364 $1,249
Wyoming 25/50/20 $262 $1,510

Alabama

Alabama car insurance costs around the same as the national average. According to the Reason Foundation’s Annual Highway Report, the state’s highway system ranks somewhere in the middle of the pack, at twenty-eighth. While Alabama experiences its fair share of volatile weather and crime, its low living costs helps to moderate car insurance costs. Residents might expect to pay around the national average, though, since the average cost of full coverage in Alabama is $1,760 per year for full coverage.

  • Alabama auto insurance rates by city

    Alabama city Average annual premium for full coverage Average annual premium for minimum coverage
    Birmingham, Alabama $1,871 $495
    Huntsville, Alabama $1,685 $458
    Mobile, Alabama $1,874 $511
    Montgomery, Alabama $1,790 $476
    Tuscaloosa, Alabama $1,747 $456

Insurance Auto Alabama auto insurance resources:

  • Best car insurance in Alabama
  • Average cost of car insurance in Alabama
  • Cheapest car insurance in Alabama
  • Driving without insurance in Alabama
  • Car insurance for high-risk drivers in Alabama
  • How a speeding ticket impacts rates in Alabama
  • Finding car insurance in Alabama after a DUI
  • Alabama car insurance laws

Alaska

Alaska drivers pay slightly less for their auto insurance on average than the typical American driver. On average, drivers in Alaska spent only 5.38 peak hours in congestion in 2020 – the seventh-least of any U.S. state. While Alaska is known for having sub-par infrastructure, its low cost of living and low population density help keep car insurance costs relatively low. The average premium for full coverage in Alaska is around the same as the national average at $1,770 per year.

  • Alaska auto insurance rates by city

    Alaska city Average annual premium for full coverage Average annual premium for minimum coverage
    Anchorage, Alaska $1,917 $538
    Fairbanks, Alaska $1,738 $349
    Juneau, Alaska $1,385 $301
    Ketchikan, Alaska $1,402 $286
    Wasilla, Alaska $1,831 $429

Insurance Auto Alaska auto insurance resources:

  • Best car insurance in Alaska
  • Average cost of car insurance in Alaska
  • Cheapest car insurance in Alaska
  • Driving without insurance in Alaska
  • Car insurance for high-risk drivers in Alaska
  • Finding car insurance in Alaska after a DUI
  • Alaska car insurance laws
  • Obtaining an SR-22 certificate in Alaska

Arizona

Arizona drivers typically pay around $28 less per year for full coverage auto insurance than the national average, at $1,743 annually. Arizona’s roadways rank middle-of-the-road, and the state’s cost of living is average. Arizona drivers spend an average of 11.21 peak hours in traffic due to congestion, which is less than average for the U.S. Together, these factors likely contribute to Arizona’s car insurance rates being just under the national average.

  • Arizona auto insurance rates by city

    Arizona city Average annual premium for full coverage Average annual premium for minimum coverage
    Gilbert, Arizona $1,704 $602
    Mesa, Arizona $1,748 $611
    Phoenix, Arizona $2,064 $708
    Quartzsite, Arizona $1,441 $422
    Scottsdale, Arizona $1,752 $607
    Tempe, Arizona $1,782 $628
    Tucson, Arizona $1,666 $549
    Yuma, Arizona $1,497 $455

Insurance Auto Arizona auto insurance resources:

  • Best car insurance in Arizona
  • Average cost of car insurance in Arizona
  • Cheapest car insurance in Arizona
  • Driving without insurance in Arizona
  • Car insurance for high-risk drivers in Arizona
  • How a speeding ticket impacts rates in Arizona
  • Finding car insurance in Arizona after a DUI
  • Arizona car insurance laws
  • Obtaining an SR-22 certificate in Arizona

Arkansas

Average Arkansas full coverage car insurance rates are $35 more per year than the national average, which could be due, in part, to Arkansas ranking fourth for the highest crime rate in the country, according to USA Today. In addition, the Natural State ranks fifth for states with worst weather. One factor that may be preventing Arkansas car insurance levels from skyrocketing is that the state has one of the lowest costs of living.

  • Arkansas auto insurance rates by city

    Arkansas city Average annual premium for full coverage Average annual premium for minimum coverage
    Conway, Arkansas $1,737 $445
    Dardanelle, Arkansas $1,746 $379
    Fort Smith, Arkansas $1,681 $429
    Jonesboro, Arkansas $1,736 $445
    Little Rock, Arkansas $1,928 $543

Insurance Auto Arkansas auto insurance resources:

  • Best car insurance in Arkansas
  • Average cost of car insurance in Arkansas
  • Cheapest car insurance in Arkansas
  • Driving without insurance in Arkansas
  • Car insurance for high-risk drivers in Arkansas
  • Finding car insurance in Arkansas after a DUI
  • Arkansas car insurance laws

California

Full coverage car insurance in California typically costs $419 more per year than the national average. High insurance costs in the Golden State could be due to California’s sky-high cost of living and the state’s low-ranking infrastructure. In addition, two of the four metropolitan areas with the worst congestion are located in California, according to a USA Today analysis.

  • California auto insurance rates by city

    California city Average annual premium for full coverage Average annual premium for minimum coverage
    Fresno, California $2,051 $576
    Anaheim, California $2,176 $637
    Antioch, California $2,232 $600
    Bakersfield, California $2,052 $559
    Berkeley, California $2,175 $600
    Fontana, California $2,161 $602
    Hayward, California $2,197 $584
    Huntington Beach, California $2,088 $645
    Irvine, California $2,093 $618
    Long Beach, California $2,318 $674
    Los Angeles, California $2,941 $857
    Modesto, California $2,148 $613
    Moreno Valley, California $2,173 $597
    Oakland, California $2,443 $634
    Ontario, California $2,201 $623
    Oxnard, California $2,004 $577
    Palmdale, California $2,363 $694
    Riverside, California $2,128 $601
    Sacramento, California $2,288 $657
    San Bernardino, California $2,322 $624
    San Diego, California $1,976 $564
    San Francisco, California $2,481 $678
    San Jose, California $2,087 $578
    Santa Ana, California $2,124 $622
    Santa Clarita, California $2,301 $692
    Stockton, California $2,167 $596
    Visalia, California $1,869 $514

Insurance Auto California auto insurance resources:

  • Best car insurance in California
  • Average cost of car insurance in California
  • Cheapest car insurance in California
  • Driving without insurance in California
  • Car insurance for high-risk drivers in California
  • How a speeding ticket impacts rates in California
  • Finding car insurance in California after a DUI
  • California car insurance laws
  • Obtaining an SR-22 certificate in California

Colorado

Colorado’s full coverage car insurance rates are, on average, $248 higher per year than the rest of the country. High insurance costs in the state could be related to the state’s poor road conditions. In addition, Coloradans spend an average of 16.5 peak hours in traffic congestion per year, which is seven hours more than the national average.

  • Colorado auto insurance rates by city

    Colorado city Average annual premium for full coverage Average annual premium for minimum coverage
    Aurora, Colorado $2,258 $597
    Denver, Colorado $2,166 $575
    Arvada, Colorado $1,942 $511
    Boulder, Colorado $1,841 $477
    Colorado Springs, Colorado $2,132 $518
    Fort Collins, Colorado $1,751 $436
    Greeley, Colorado $1,864 $446
    Littleton, Colorado $1,960 $521
    Pueblo, Colorado $2,222 $513

Insurance Auto Colorado auto insurance resources:

  • Best car insurance in Colorado
  • Average cost of car insurance in Colorado
  • Cheapest car insurance in Colorado
  • Driving without insurance in Colorado
  • Car insurance for high-risk drivers in Colorado
  • How a speeding ticket impacts rates in Colorado
  • Finding car insurance in Colorado after a DUI
  • Colorado car insurance laws
  • Obtaining an SR-22 certificate in Colorado

Connecticut

Car insurance in Connecticut costs $238 less per year for full coverage than the rest of the country, on average. Connecticut ranks in the top five states with the highest population density. In addition, Connecticut drivers spend an average of over 14 hours per year in urbanized area traffic congestion. While the state has a low crime rate, Connecticut has the overall highest costs of living in the country, which contributes to high insurance rates.

  • Connecticut auto insurance rates by city

    Connecticut city Average annual premium for full coverage Average annual premium for minimum coverage
    Bridgeport, Connecticut $2,080 $890
    Hartford, Connecticut $2,122 $926
    New Haven, Connecticut $2,029 $911
    Norwalk, Connecticut $1,483 $626
    Stamford, Connecticut $1,559 $649

Insurance Auto Connecticut auto insurance resources:

  • Best car insurance in Connecticut
  • Average cost of car insurance in Connecticut
  • Cheapest car insurance in Connecticut
  • Driving without insurance in Connecticut
  • Car insurance for high-risk drivers in Connecticut
  • Finding car insurance in Connecticut after a DUI
  • Connecticut car insurance laws
  • Obtaining an SR-22 certificate in Connecticut

Delaware

Delaware’s average annual full coverage car insurance rates are $192 more than the national average. Delaware drivers spend over 75 hours in urbanized traffic congestion per year – the second highest of any state. The cost of living in Delaware is also slightly higher than the national average cost of living. Delaware also has the sixth-highest population density of any state. Together, these characteristics contribute to the higher cost of insurance.

  • Delaware auto insurance rates by city

    Delaware city Average annual premium for full coverage Average annual premium for minimum coverage
    Dover, Delaware $1,765 $673
    Wilmington, Delaware $2,282 $886
    Middletown, Delaware $1,887 $716
    Milford, Delaware $1,701 $629
    Newark, Delaware $2,092 $825

Insurance Auto Delaware auto insurance resources:

  • Best car insurance in Delaware
  • Average cost of car insurance in Delaware
  • Cheapest car insurance in Delaware
  • Driving without insurance in Delaware
  • Car insurance for high-risk drivers in Delaware
  • How a speeding ticket impacts rates in Delaware
  • Finding car insurance in Delaware after a DUI
  • Delaware car insurance laws

Florida

Florida has one of the highest average annual full coverage car insurance rates in the country, clocking in at $991 higher than the national average. High premiums could be due to diverse factors in this region. For instance, Florida ranks eighth in highest population density, which can contribute to crowded roads and accidents. The state also ranks third for the most deadly car accidents.

  • Florida car insurance rates by city

    Florida city Average annual premium for minimum coverage in Florida Average annual premium for full coverage in Florida
    Gainesville, Florida $1,955 $686
    Ocala, Florida $2,195 $779
    Cape Coral, Florida $2,212 $810
    Tallahassee, Florida $2,208 $763
    Pensacola, Florida $2,302 $789
    Jacksonville, Florida $2,503 $886
    Lakeland, Florida $2,520 $899
    Orlando, Florida $2,698 $1,036
    Fort Lauderdale, Florida $3,224 $1,193
    Tampa, Florida $3,459 $1,292
    West Palm Beach, Florida $3,563 $1,281
    Miami, Florida $3,713 $1,340
    Hialeah, Florida $3,777 $1,393

Insurance Auto Florida auto insurance resources:

  • Best car insurance in Florida
  • Average cost of car insurance in Florida
  • Cheapest car insurance in Florida
  • Driving without insurance in Florida
  • Car insurance for high-risk drivers in Florida
  • How a speeding ticket impacts rates in Florida
  • Finding car insurance in Florida after a DUI
  • Florida car insurance laws
  • Obtaining an SR-22 certificate in Florida

Georgia

Georgia full coverage car insurance costs about $214 more than the national average per year. High car insurance rates in Georgia could be due in part to the poor condition of infrastructure in the state. Georgians also spend nearly 15 hours in urbanized area traffic per year. Georgia has the fourth most fatal car accidents of any state, according to World Population Review.

  • Georgia auto insurance rates by city

    Georgia city Average annual premium for full coverage Average annual premium for minimum coverage
    Athens, Georgia $1,824 $548
    Atlanta, Georgia $2,215 $752
    Macon, Georgia $2,024 $650
    Savannah, Georgia $1,981 $670
    Suwanee, Georgia $2,061 $727

Insurance Auto Georgia auto insurance resources:

  • Best car insurance in Georgia
  • Average cost of car insurance in Georgia
  • Cheapest car insurance in Georgia
  • Driving without insurance in Georgia
  • Car insurance for high-risk drivers in Georgia
  • How a speeding ticket impacts rates in Georgia
  • Finding car insurance in Georgia after a DUI
  • Georgia car insurance laws
  • Obtaining an SR-22 certificate in Georgia

Hawaii

Despite Hawaii having the highest cost of living of any state, car insurance in the state is relatively cheap. Full coverage car insurance in the Aloha State costs $565 less than the national average per year, at $1,206. Honolulu, Hawaii is also known for its efficient public transit system, which allows residents to travel without using their cars. Hawaii also has fewer licensed drivers than most other states, according to the Federal Highway Administration, which could contribute to lower car insurance rates.

  • Hawaii auto insurance rates by city

    Hawaii city Average annual premium for full coverage Average annual premium for minimum coverage
    Honolulu, Hawaii $1,209 $348
    Lahaina, Hawaii $1,175 $324
    Kapaa, Hawaii $1,053 $248
    Hilo, Hawaii $1,283 $339
    Princeville, Hawaii $1,053 $248

Insurance Auto Hawaii auto insurance resources:

  • Best car insurance in Hawaii
  • Average cost of car insurance in Hawaii
  • Cheapest car insurance in Hawaii
  • Driving without insurance in Hawaii
  • Car insurance for high-risk drivers in Hawaii
  • Finding car insurance in Hawaii after a DUI
  • Hawaii car insurance laws

Idaho

Idaho’s average annual full coverage car insurance rates are some of the cheapest in the country, coming in $706 cheaper than the national average. Car insurance rates in Idaho remain low due to the state’s low population density, low number of licensed drivers and highly-ranked infrastructure. Of any state in the U.S., Idaho drivers also spend one of the fewest hours in urbanized traffic congestion, which could contribute to low car insurance rates.

  • Idaho auto insurance rates by city

    Idaho city Average annual premium for full coverage Average annual premium for minimum coverage
    Boise, Idaho $977 $286
    Meridian, Idaho $978 $290
    Nampa, Idaho $1,058 $306
    Idaho Falls, Idaho $1,104 $283
    Caldwell, Idaho $1,077 $303

Insurance Auto Idaho auto insurance resources:

  • Best car insurance in Idaho
  • Average cost of car insurance in Idaho
  • Cheapest car insurance in Idaho
  • Car insurance for high-risk drivers in Idaho
  • Finding car insurance in Idaho after a DUI
  • Idaho car insurance laws

Illinois

Illinois drivers pay $223 less per year for full coverage car insurance than the national average. Illinois sits in the middle of the pack when it comes to cost of living and crime rate. Illinois residents may save on their car insurance due to the state ranking tenth in best public transportation.

  • Illinois auto insurance rates by city

    Illinois city Average annual premium for full coverage Average annual premium for minimum coverage
    Chicago, Illinois $2,069 $627
    Peoria, Illinois $1,338 $417
    Elgin, Illinois $1,381 $456
    Rockford, Illinois $1,361 $423
    Springfield, Illinois $1,341 $411

Insurance Auto Illinois auto insurance resources:

  • Best car insurance in Illinois
  • Average cost of car insurance in Illinois
  • Cheapest car insurance in Illinois
  • Driving without insurance in Illinois
  • Car insurance for high-risk drivers in Illinois
  • How a speeding ticket impacts rates in Illinois
  • Finding car insurance in Illinois after a DUI
  • Illinois car insurance laws
  • Obtaining an SR-22 certificate in Illinois

Indiana

Indiana drivers pay an average of $529 less per year than the national average for full coverage car insurance. Indiana residents may pay less for their car insurance due to the state’s low cost of living. Indiana ranks above average in urban highway fatality rate and urban pavement condition, according to a Reason Foundation study.

  • Indiana auto insurance rates by city

    Indiana city Average annual premium for full coverage Average annual premium for minimum coverage
    Evansville, Indiana $1,267 $372
    Fort Wayne, Indiana $1,172 $331
    Chalmers, Indiana $1,231 $305
    Indianapolis, Indiana $1,285 $355
    Kokomo, Indiana $1,177 $330
    South Bend, Indiana $1,184 $321

Insurance Auto Indiana auto insurance resources:

  • Best car insurance in Indiana
  • Average cost of car insurance in Indiana
  • Cheapest car insurance in Indiana
  • Driving without insurance in Indiana
  • Car insurance for high-risk drivers in Indiana
  • How a speeding ticket impacts rates in Indiana
  • Finding car insurance in Indiana after a DUI
  • Indiana car insurance laws
  • Obtaining an SR-22 certificate in Indiana

Iowa

In Iowa, drivers spend an average of $517 less per year for full coverage insurance than the national average. Low vehicle maintenance costs, a low cost of living and low population density may contribute to low insurance costs. In addition, Iowa drivers spend less time in traffic on their commute than drivers in more than half of the U.S., which may help reduce insurance costs.

  • Iowa auto insurance rates by city

    Iowa city Average annual premium for full coverage Average annual premium for minimum coverage
    Cedar Rapids, Iowa $1,162 $250
    Davenport, Iowa $1,261 $290
    Des Moines, Iowa $1,268 $288
    Iowa City, Iowa $1,115 $222
    Sioux City, Iowa $1,392 $284

Insurance Auto Iowa auto insurance resources:

  • Best car insurance in Iowa
  • Average cost of car insurance in Iowa
  • Cheapest car insurance in Iowa
  • Car insurance for high-risk drivers in Iowa
  • How a speeding ticket impacts rates in Iowa
  • Finding car insurance in Iowa after a DUI
  • Iowa car insurance laws
  • Obtaining an SR-22 certificate in Iowa

Kansas

Kansas drivers pay only $31 more per year than the national annual average for full coverage car insurance. The state ranks in the middle of the pack for fatality rate, population density and number of licensed drivers – which may be why the state’s average rate for car insurance is so close to the national average.

  • Kansas auto insurance rates by city

    Kansas city Average annual premium for full coverage Average annual premium for minimum coverage
    Kansas City, Kansas $1,162 $250
    Olathe, Kansas $1,261 $290
    Overland Park, Kansas $1,392 $284
    Topeka, Kansas $1,115 $222
    Wichita, Kansas $1,137 $262

Insurance Auto Kansas auto insurance resources:

  • Best car insurance in Kansas
  • Average cost of car insurance in Kansas
  • Cheapest car insurance in Kansas
  • Car insurance for high-risk drivers in Kansas
  • How a speeding ticket impacts rates in Kansas
  • Finding car insurance in Kansas after a DUI
  • Kansas car insurance laws

Kentucky

Kentucky drivers typically spend $183 more per year on their full coverage car insurance than the national average. High car insurance rates in the Bluegrass State may be high due to exceptionally high fatality rates on state roadways in addition to a high crime rate.

  • Kentucky auto insurance rates by city

    Kentucky city Average annual premium for full coverage Average annual premium for minimum coverage
    Bowling Green, Kentucky $1,606 $520
    Lexington, Kentucky $1,636 $594
    Louisville, Kentucky $2,254 $859
    Owensboro, Kentucky $1,515 $471
    Somerset, Kentucky $2,012 $645

Insurance Auto Kentucky auto insurance resources:

  • Best car insurance in Kentucky
  • Average cost of car insurance in Kentucky
  • Cheapest car insurance in Kentucky
  • Driving without insurance in Kentucky
  • Car insurance for high-risk drivers in Kentucky
  • Finding car insurance in Kentucky after a DUI
  • Kentucky car insurance laws

Louisiana

Louisiana’s average annual full coverage car insurance rates are sky-high, coming in at $1,093higher than the national average. Car insurance in Louisiana may be expensive because of the state’s high crime rate, high fatality rate on state roadways, high number of hours spent in urbanized congestion per commuter and dangerous weather patterns.

  • Louisiana auto insurance rates by city

    Louisiana city Average annual premium for full coverage Average annual premium for minimum coverage
    Baton Rouge, Louisiana $3,057 $905
    Lafayette, Louisiana $2,734 $834
    Metairie, Louisiana $3,188 $966
    New Orleans, Louisiana $3,648 $1,062
    Shreveport, Louisiana $2,437 $648

Insurance Auto Louisiana auto insurance resources:

  • Best car insurance in Louisiana
  • Average cost of car insurance in Louisiana
  • Cheapest car insurance in Louisiana
  • Driving without insurance in Louisiana
  • Car insurance for high-risk drivers in Louisiana
  • How a speeding ticket impacts rates in Louisiana
  • Finding car insurance in Louisiana after a DUI
  • Louisiana car insurance laws

Maine

Full coverage car insurance in Maine costs around $895 less per year than the national average. Cheap car insurance in the Pine Tree State may be due to the state’s low population density, low fatality rate on state roadways, low number of licensed drivers and low cost of living.

  • Maine auto insurance rates by city

    Maine city Average annual premium for full coverage Average annual premium for minimum coverage
    Auburn, Maine $906 $262
    Bangor, Maine $872 $243
    Lewiston, Maine $905 $262
    Portland, Maine $874 $255
    South Portland, Maine $829 $241

Insurance Auto Maine auto insurance resources:

  • Best car insurance in Maine
  • Average cost of car insurance in Maine
  • Cheapest car insurance in Maine
  • Driving without insurance in Maine
  • Car insurance for high-risk drivers in Maine
  • How a speeding ticket impacts rates in Maine
  • Finding car insurance in Maine after a DUI
  • Maine car insurance laws

Maryland

In general, Maryland drivers pay $160 more per year than the national average for their full coverage car insurance. Maryland residents may pay more due to the high rate of traffic congestion in urbanized areas of the state. In addition, Maryland’s infrastructure is worse than 37 other states, according to a Reason Foundation study.

  • Maryland auto insurance rates by city

    Maryland city Average annual premium for full coverage Average annual premium for minimum coverage
    Baltimore, Maryland $2,271 $1,049
    Columbia, Maryland $1,768 $776
    Germantown, Maryland $1,738 $752
    Silver Spring, Maryland $1,958 $878
    Waldorf, Maryland $1,945 $802

Insurance Auto Maryland auto insurance resources:

  • Best car insurance in Maryland
  • Average cost of car insurance in Maryland
  • Cheapest car insurance in Maryland
  • Driving without insurance in Maryland
  • Car insurance for high-risk drivers in Maryland
  • Finding car insurance in Maryland after a DUI
  • Maryland car insurance laws

Massachusetts

Despite Massachusetts’ high cost of living, structurally deficient infrastructure and high roadway fatality rate, drivers in the Bay State typically pay $475 less per year than the national average for full coverage car insurance. One reason for low insurance costs could be that Massachusetts lays claim to the ninth-best public transit system in the country, which encourages citizens to use public transportation rather than their cars.

  • Massachusetts auto insurance rates by city

    Massachusetts city Average annual premium for full coverage Average annual premium for minimum coverage
    Boston, Massachusetts $1,555 $507
    Brockton, Massachusetts $2,019 $759
    Cambridge, Massachusetts $1,304 $462
    Springfield, Massachusetts $1,710 $675
    Worcester, Massachusetts $1,594 $556

Insurance Auto Massachusetts auto insurance resources:

  • Best car insurance in Massachusetts
  • Average cost of car insurance in Massachusetts
  • Cheapest car insurance in Massachusetts
  • Driving without insurance in Massachusetts
  • Car insurance for high-risk drivers in Massachusetts
  • Finding car insurance in Massachusetts after a DUI
  • Massachusetts car insurance laws
  • Obtaining an SR-22 certificate in Massachusetts

Michigan

If you’re looking for car insurance in the Great Lakes State, you may have to pay a steep price. Michiganders generally pay $574 more per year for their full coverage car insurance than other U.S. drivers on average. Car insurance rates in Michigan may be especially high due to Michigan’s high crime rate and high fatal crash rate. The state also has more stringent car insurance coverage requirements than many other states and precludes car insurance companies from using several standard non-driving rating factors, such as credit rating and ZIP code, when calculating premiums.

  • Michigan auto insurance rates by city

    Michigan city Average annual premium for full coverage Average annual premium for minimum coverage
    Ann Arbor, Michigan $1,884 $741
    Detroit, Michigan $4,401 $1,801
    Clinton, Michigan $1,862 $766
    Dearborn, Michigan $3,505 $1,473
    East Lansing, Michigan $1,861 $743
    Flint, Michigan $2,701 $1,109
    Grand Rapids, Michigan $1,878 $713
    Hamtramck, Michigan $4,511 $1,880
    Kalamazoo, Michigan $1,845 $721
    Lansing, Michigan $1,939 $785
    Livonia, Michigan $2,391 $965
    Royal Oak, Michigan $2,509 $1,048
    Southfield, Michigan $3,313 $1,372
    Sterling Heights, Michigan $2,641 $1,167
    Taylor, Michigan $2,770 $1,184
    Warren, Michigan $2,970 $1,296
    Westland, Michigan $2,658 $1,116
    Ypsilanti, Michigan $2,181 $896

Insurance Auto Michigan auto insurance resources:

  • Best car insurance in Michigan
  • Average cost of car insurance in Michigan
  • Cheapest car insurance in Michigan
  • Driving without insurance in Michigan
  • Car insurance for high-risk drivers in Michigan
  • Finding car insurance in Michigan after a DUI
  • Michigan car insurance laws
  • Obtaining an SR-22 certificate in Michigan

Minnesota

In Minnesota, drivers typically spend around the same amount for full coverage car insurance as the national average. Since Minnesota ranks middle-of-the-road for cost of living, infrastructure quality, population density and number of licensed drivers, state car insurance rates remain average.

  • Minnesota auto insurance rates by city

    Minnesota city Average annual premium for full coverage Average annual premium for minimum coverage
    Almelund, Minnesota $1,841 $662
    Duluth, Minnesota $1,587 $497
    Minneapolis, Minnesota $1,823 $725
    Rochester, Minnesota $1,517 $500
    Solway, Minnesota $1,776 $494

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  • Best car insurance in Minnesota
  • Average cost of car insurance in Minnesota
  • Cheapest car insurance in Minnesota
  • Driving without insurance in Minnesota
  • Car insurance for high-risk drivers in Minnesota
  • Finding car insurance in Minnesota after a DUI
  • Minnesota car insurance laws
  • Obtaining an SR-22 certificate in Minnesota

Mississippi

Drivers in Mississippi typically pay around the same as the national average for full coverage car insurance, but areas with high congestion may experience more expensive rates. Mississippi has the highest rate of car accident deaths per 100,000 people, which likely contributes to the state’s higher than average rates. Mississippi’s dangerous weather patterns could also partially account for the spike.

  • Mississippi auto insurance rates by city

    Mississippi city Average annual premium for full coverage Average annual premium for minimum coverage
    Biloxi, Mississippi $1,737 $525
    Gulfport, Mississippi $1,754 $535
    Hattiesburg, Mississippi $1,638 $454
    Jackson, Mississippi $1,862 $522
    Southaven, Mississippi $1,711 $504

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  • Best car insurance in Mississippi
  • Average cost of car insurance in Mississippi
  • Cheapest car insurance in Mississippi
  • Car insurance for high-risk drivers in Mississippi
  • How a speeding ticket impacts your insurance in Mississippi
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  • Mississippi car insurance laws

Missouri

Missouri’s average annual full coverage car insurance rates are around $90 above the national average. These average rates are no surprise, since the state ranks in the middle of the pack when it comes to fatal crashes, population density and number of licensed drivers.

  • Missouri auto insurance rates by city

    Missouri city Average annual premium for full coverage Average annual premium for minimum coverage
    Columbia, Missouri $1,654 $444
    Independence, Missouri $1,890 $545
    Kansas City, Missouri $2,022 $560
    Springfield, Missouri $1,722 $517
    St. Louis, Missouri $2,205 $643

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  • Driving without insurance in Missouri
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  • How a speeding ticket impacts rates in Missouri
  • Finding car insurance in Missouri after a DUI
  • Missouri car insurance laws
  • Obtaining an SR-22 certificate in Missouri

Montana

Montana residents typically pay about $24 more per year than the average American for their full coverage auto insurance. Montana ranks middle of the road in crime rate, infrastructure, cost of living and fatal car accident statistics. If you’re looking for car insurance in Montana, you’ll be required to carry at least 25/50/20 to comply with the state’s minimum liability requirements.

  • Montana auto insurance rates by city

    Montana city Average annual premium for full coverage Average annual premium for minimum coverage
    Billings, Montana $1,742 $381
    Bozeman, Montana $1,732 $298
    Butte, Montana $1,731 $337
    Great Falls, Montana $1,707 $368
    Missoula, Montana $1,537 $322

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  • Average cost of car insurance in Montana
  • Cheapest car insurance in Montana
  • Driving without insurance in Montana
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  • Montana car insurance laws

Nebraska

In line with Nebraska’s low cost of living and low population density, the state’s drivers pay $233 less per year compared to the national average for full coverage car insurance. When shopping for car insurance in Nebraska, keep in mind that the state requirements for liability are at least $25,000 bodily injury per person, $50,000 bodily injury per accident and $25,000 property damage per accident.

  • Nebraska auto insurance rates by city

    Nebraska city Average annual premium for full coverage Average annual premium for minimum coverage
    Bellevue, Nebraska $1,526 $426
    Grand Island, Nebraska $1,424 $303
    Kearney, Nebraska $1,448 $287
    Lincoln, Nebraska $1,363 $386
    Omaha, Nebraska $1,598 $449

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  • Average cost of car insurance in Nebraska
  • Cheapest car insurance in Nebraska
  • Driving without insurance in Nebraska
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  • How a speeding ticket impacts rates in Nebraska
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  • Nebraska car insurance laws

Nevada

Nevadans pay nearly $655 more per year on average for their full coverage car insurance than the average American. These high rates could be due in part to Nevada’s high cost of living and high rural highway fatality rate.

  • Nevada auto insurance rates by city

    Nevada city Average annual premium for full coverage Average annual premium for minimum coverage
    Henderson, Nevada $2,505 $896
    Elko, Nevada $1,588 $461
    Eureka, Nevada $1,583 $455
    Las Vegas, Nevada $2,883 $1,044
    Reno, Nevada $1,836 $596

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  • Driving without insurance in Nevada
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  • Nevada car insurance laws
  • Obtaining an SR-22 certificate in Nevada

New Hampshire

New Hampshire drivers typically pay significantly less for their car insurance than the average American. Low insurance rates could be partially due to the state’s low crime rate and good rural and urban road conditions. Keep in mind that New Hampshire does not have minimum liability car insurance requirements.

  • New Hampshire auto insurance rates by city

    New Hampshire city Average annual premium for full coverage Average annual premium for minimum coverage
    Concord, New Hampshire $1,101 $317
    Dover, New Hampshire $1,139 $336
    Manchester, New Hampshire $1,409 $415
    Nashua, New Hampshire $1,223 $361
    Rochester, New Hampshire $1,147 $336

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  • New Hampshire car insurance laws
  • Obtaining an SR-22 certificate in New Hampshire

New Jersey

Drivers in the Garden State sit in traffic congestion in urbanized areas for an average of 40 hours per year. This roadway congestion, paired with a high crime rate and the highest population density of any state make for higher than average car insurance rates.

  • New Jersey auto insurance rates by city

    New Jersey city Average annual premium for full coverage Average annual premium for minimum coverage
    Elizabeth, New Jersey $2,579 $1,140
    Jersey City, New Jersey $2,371 $1,038
    Lakewood, New Jersey $1,951 $938
    Newark, New Jersey $2,683 $1,161
    Paterson, New Jersey $2,613 $1,160

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New Mexico

New Mexico drivers pay around $282 less for their full coverage car insurance per year than the national average. New Mexico has a comparatively low cost of living compared to many states and low population density, which could both contribute to the lower-than-average cost of car insurance in the state.

  • New Mexico auto insurance rates by city

    New Mexico city Average annual premium for full coverage Average annual premium for minimum coverage
    Albuquerque, New Mexico $1,621 $411
    Farmington, New Mexico $1,315 $295
    Santa Fe, New Mexico $1,453 $356
    Rio Rancho, New Mexico $1,505 $392
    Roswell, New Mexico $1,477 $311

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New York

With the highest average costs for minimum coverage car insurance and full coverage car insurance in the nation, New York drivers typically pay significantly more for car insurance than the average U.S. driver. The state’s high insurance rates are largely due to the high number of fraudulent insurance claims made each year, in addition to its over 11 million registered vehicles, causing traffic to be dense with a higher likelihood of collision.

  • New York auto insurance rates by city

    New York city Average annual premium for full coverage Average annual premium for minimum coverage
    Albany, New York $1,549 $661
    Buffalo, New York $2,083 $954
    Syracuse, New York $1,585 $678
    Rochester, New York $1,456 $633
    Yonkers, New York $2,900 $1,230

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North Carolina

North Carolinians typically pay $379 less per year for their full coverage car insurance than the national average. North Carolina’s high ranking in urban road condition, mild weather and fairly low cost of living could contribute to these lower-than-average rates.

  • North Carolina auto insurance rates by city

    North Carolina city Average annual premium for full coverage Average annual premium for minimum coverage
    Cary, North Carolina $1,227 $409
    Greensboro, North Carolina $1,392 $449
    Durham, North Carolina $1,369 $437
    Fayetteville, North Carolina $1,591 $521
    High Point, North Carolina $1,414 $455
    Raleigh, North Carolina $1,359 $458
    Wilmington, North Carolina $1,345 $468

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  • North Carolina car insurance laws
  • Obtaining an SR-22 certificate in North Carolina

North Dakota

North Dakota typically drivers pay $546 less for their full coverage car insurance per year than the average American driver. North Dakota ranked first in overall highway performance and cost-effectiveness in the Reason Foundation’s highway study. The state also has one of the lowest instances of fatal crashes, population densities and number of licensed drivers in the United States.

  • North Dakota auto insurance rates by city

    North Dakota city Average annual premium for full coverage Average annual premium for minimum coverage
    Bismarck, North Dakota $1,188 $287
    Fargo, North Dakota $1,047 $298
    Grand Forks, North Dakota $1,091 $295
    South Heart, North Dakota $1,282 $268
    West Fargo, North Dakota $1,046 $299

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Ohio

Despite having a large driving population and increasing likelihood of motor vehicle accidents and injury, Ohio is actually one of the cheapest states for full coverage car insurance on average, with drivers paying about $1,034 per year. The lower cost of coverage may in part be due to Ohio’s mix of rural and suburban roads, helping to break up what may otherwise be a heavy concentration of traffic, which can lead to more road risk.

  • Ohio auto insurance rates by city

    Ohio city Average annual premium for full coverage Average annual premium for minimum coverage
    Akron, Ohio $1,262 $377
    Dayton, Ohio $1,205 $338
    Cincinnati, Ohio $1,266 $376
    Cleveland, Ohio $1,512 $416
    Columbus, Ohio $1,331 $392
    Lima, Ohio $1,076 $300
    Toledo, Ohio $1,358 $402

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  • Ohio car insurance laws
  • Obtaining an SR-22 certificate in Ohio

Oklahoma

Despite Oklahoma having the second-lowest cost of living in the United States, Oklahoma drivers typically pay nearly $131 more per year for full coverage car insurance than the national average. Car insurance may be more expensive in the Sooner State due to the high crime rate, dangerous weather and high number of structurally-deficient bridges.

  • Oklahoma auto insurance rates by city

    Oklahoma city Average annual premium for full coverage Average annual premium for minimum coverage
    Broken Arrow, Oklahoma $1,973 $468
    Lahoma, Oklahoma $1,737 $321
    Norman, Oklahoma $1,885 $425
    Oklahoma City, Oklahoma $2,059 $478
    Tulsa, Oklahoma $2,069 $484

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  • Oklahoma car insurance laws

Oregon

Despite Oregon’s high cost of living, drivers in the state pay an average of $400 less per year than the national average for their full coverage car insurance. Relatively affordable insurance rates in the Beaver State could be due to the state’s low population density, mild weather and well-kept rural and urban roads.

  • Oregon auto insurance rates by city

    Oregon city Average annual premium for full coverage Average annual premium for minimum coverage
    Beaverton, Oregon $1,440 $713
    Bend, Oregon $1,231 $509
    Portland, Oregon $1,509 $738
    Eugene, Oregon $1,194 $544
    Hermiston, Oregon $1,210 $481
    Salem, Oregon $1,376 $668

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Pennsylvania

Pennsylvania has a high rate of traffic fatalities, poor infrastructure and high population density, resulting in car insurance that may be more expensive than other states. Residents pay almost $231 more per year on average for full coverage car insurance than the national average.

  • Pennsylvania auto insurance rates by city

    Pennsylvania city Average annual premium for full coverage Average annual premium for minimum coverage
    Allentown, Pennsylvania $1,756 $400
    Erie, Pennsylvania $1,800 $421
    Philadelphia, Pennsylvania $3,300 $752
    Pittsburgh, Pennsylvania $1,840 $398
    Reading, Pennsylvania $1,776 $383

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Rhode Island

Rhode Island residents pay around $76 more per year on average for full coverage car insurance than the rest of the country. The state ranks lower than 45 other states in highway performance and effectiveness. In addition, Rhode Island has a high cost of living, which may contribute to the high cost of auto insurance due to increased costs for car repair.

  • Rhode Island auto insurance rates by city

    Rhode Island city Average annual premium for full coverage Average annual premium for minimum coverage
    Cranston, Rhode Island $2,191 $681
    East Providence, Rhode Island $1,979 $609
    Pawtucket, Rhode Island $2,015 $644
    Providence, Rhode Island $2,382 $750
    Warwick, Rhode Island $1,850 $591

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South Carolina

Compared to other U.S. drivers. South Carolina’s highly-ranked highways, low cost of living, low population density and mild weather may contribute to affordable average car insurance rates in the Palmetto State.

  • South Carolina auto insurance rates by city

    South Carolina city Average annual premium for full coverage Average annual premium for minimum coverage
    Columbia, South Carolina $1,472 $546
    Darlington, South Carolina $1,556 $547
    Gaffney, South Carolina $1,436 $486
    Greenville, South Carolina $1,368 $510
    Lancaster, South Carolina $1,546 $535

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South Dakota

Drivers in the Mount Rushmore State spend around an estimated $229 less than the national average for full coverage car insurance. In South Dakota, drivers are required to carry at least the minimum limits for bodily injury and property damage, as well as uninsured motorist bodily injury and property damage.

  • South Dakota auto insurance rates by city

    South Dakota city Average annual premium for full coverage Average annual premium for minimum coverage
    Aberdeen, South Dakota $1,396 $257
    Brookings, South Dakota $1,339 $262
    Rapid City, South Dakota $1,698 $308
    Sioux Falls, South Dakota $1,391 $346
    Watertown, South Dakota $1,355 $265

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Tennessee

Tennessee drivers typically pay around $388 less per year for full coverage auto insurance than the average American. The Volunteer State ranks 10th in best highway performance and has the 10th-lowest cost of living, both factors which may contribute to the state’s relatively low cost of auto insurance.

  • Tennessee auto insurance rates by city

    Tennessee city Average annual premium for full coverage Average annual premium for minimum coverage
    Chattanooga, Tennessee $1,311 $367
    Clarksville, Tennessee $1,308 $362
    Knoxville, Tennessee $1,341 $374
    Memphis, Tennessee $1,727 $505
    Murfreesboro, Tennessee $1,287 $357
    Nashville, Tennessee $1,364 $393

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Texas

Texas drivers generally pay around $97 more for full coverage car insurance per year than the national average. While the state claims average rankings in cost of living, crime rate and highway performance, Texas ranks first for most fatal car accidents, which could contribute to higher average car insurance premiums.

  • Texas auto insurance rates by city

    Texas city Average annual premium for full coverage Average annual premium for minimum coverage
    Abilene, Texas $1,653 $437
    Allen, Texas $1,748 $559
    Austin, Texas $1,758 $533
    Beaumont, Texas $1,904 $590
    College Station, Texas $1,563 $466
    Corpus Christi, Texas $1,779 $581
    Dallas, Texas $2,038 $619
    Denton, Texas $1,698 $531
    Amarillo, Texas $1,901 $466
    Fort Worth, Texas $1,852 $551
    El Paso, Texas $1,829 $491
    Frisco, Texas $1,739 $558
    Garland, Texas $2,056 $637
    Grand Prairie, Texas $1,950 $590
    Odessa, Texas $1,762 $463
    Houston, Texas $2,106 $652
    Irving, Texas $2,006 $602
    Killeen, Texas $1,633 $461
    Laredo, Texas $2,022 $529
    Lubbock, Texas $1,759 $483
    McAllen, Texas $2,051 $630
    McKinney, Texas $1,758 $557
    Mercedes, Texas $1,992 $598
    Mesquite, Texas $2,060 $626
    Midland, Texas $1,674 $433
    Plano, Texas $1,775 $571
    Round Rock, Texas $1,690 $514
    San Angelo, Texas $1,570 $403
    San Antonio, Texas $1,857 $573
    Texarkana, Texas $1,747 $482
    Tyler, Texas $1,763 $537
    Waco, Texas $1,682 $464
    Wichita Falls, Texas $1,601 $419

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Utah

Drivers in the Beehive State pay an average of $322 less per year for full coverage car insurance than drivers in the rest of the country. Utah has a low crime rate and a low number of fatal crashes each year – both factors which may contribute to lower average auto insurance premiums in the state.

  • Utah auto insurance rates by city

    Utah city Average annual premium for full coverage Average annual premium for minimum coverage
    Aurora, Utah $1,334 $437
    Orem, Utah $1,492 $586
    Provo, Utah $1,467 $574
    Salt Lake City, Utah $1,561 $602
    White Rocks, Utah $1,400 $436

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Vermont

Vermont drivers pay an average of $771 less per year for full coverage auto insurance than the national average. Vermont has one of the lowest crime rates in the country, relatively few fatal crashes and a low number of licensed drivers. These factors may contribute to cheaper average car insurance costs in the state.

  • Vermont auto insurance rates by city

    Vermont city Average annual premium for full coverage Average annual premium for minimum coverage
    Burlington, Vermont $942 $269
    Colchester, Vermont $981 $257
    Concord, Vermont $1,024 $232
    Greensboro, Vermont $1,012 $230
    South Burlington, Vermont $928 $267

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Virginia

Virginia residents spend an average of $431 less per year on full coverage car insurance than other drivers in the U.S. Virginia has one of the lowest crime rates in the country, and the Old Dominion state ranks in the middle of the pack in terms of cost of living, highway performance and population density. Keep in mind that the commonwealth does not have minimum liability insurance requirements for its citizens. Still, it’s a good idea to purchase auto insurance to protect your finances in the event of an accident.

  • Virginia auto insurance rates by city

    Virginia city Average annual premium for full coverage Average annual premium for minimum coverage
    Alexandria, Virginia $1,462 $561
    Arlington, Virginia $1,379 $529
    Chesapeake, Virginia $1,372 $536
    Richmond, Virginia $1,368 $517
    Roanoke, Virginia $1,200 $407

Insurance Auto Virginia auto insurance resources:

  • Best car insurance in Virginia
  • Average cost of car insurance in Virginia
  • Cheapest car insurance in Virginia
  • Driving without insurance in Virginia
  • Car insurance for high-risk drivers in Virginia
  • How a speeding ticket impacts rates in Virginia
  • Finding car insurance in Virginia after a DUI
  • Virginia car insurance laws
  • Obtaining an SR-22 certificate in Virginia

Washington

Despite the state’s high cost of living, Washington residents spend almost $458 less per year on full coverage car insurance than the national average. Washington experiences relatively few fatal crashes each year compared to other states. In addition, the state has low population density and mild weather patterns, which could contribute to relatively affordable car insurance in the state.

  • Washington auto insurance rates by city

    Washington city Average annual premium for full coverage Average annual premium for minimum coverage
    Bellevue, Washington $1,347 $516
    Everett, Washington $1,355 $531
    Kent, Washington $1,491 $588
    Seattle, Washington $1,511 $583
    Tacoma, Washington $1,522 $595

Insurance Auto Washington auto insurance resources:

  • Best car insurance in Washington
  • Average cost of car insurance in Washington
  • Cheapest car insurance in Washington
  • Driving without insurance in Washington
  • Car insurance for high-risk drivers in Washington
  • How a speeding ticket impacts rates in Washington
  • Finding car insurance in Washington after a DUI
  • Washington car insurance laws
  • Obtaining an SR-22 certificate in Washington

Washington D.C.

The average annual cost of full coverage car insurance in Washington, D.C. is $177 more expensive than the national average for several reasons. The nation’s capital has a population density around ten times higher than any state, which contributes to congestion and potential car accidents. In addition, the District has the second-highest cost of living in the United States, which can drive up the average cost of car insurance premiums due to higher costs for car repair.

  • Washington, D.C. auto insurance rates

    Average annual premium for full coverage Average annual premium for minimum coverage
    Washington, D.C. $1,948 $613

Insurance Auto Washington D.C. auto insurance resources:

  • Best car insurance in Washington, D.C.
  • Average cost of car insurance in Washington, D.C.
  • Cheapest car insurance in Washington, D.C.
  • Driving without insurance in Washington, D.C.
  • How a speeding ticket impacts rates in Washington, D.C.
  • Finding car insurance in Washington, D.C. after a DUI
  • Washington, D.C. car insurance laws

West Virginia

West Virginia residents typically spend $244 less per year on their full coverage car insurance than the national average. West Virginians may spend less on their car insurance due to the state’s low crime rate, low cost of living and low number of licensed drivers.

  • West Virginia auto insurance rates by city

    West Virginia city Average annual premium for full coverage Average annual premium for minimum coverage
    Charleston, West Virginia $1,504 $465
    Huntington, West Virginia $1,533 $490
    Morgantown, West Virginia $1,397 $401
    Parkersburg, West Virginia $1,494 $438
    Wheeling, West Virginia $1,379 $415

Insurance Auto West Virginia auto insurance resources:

  • Best car insurance in West Virginia
  • Average cost of car insurance in West Virginia
  • Cheapest car insurance in West Virginia
  • Driving without insurance in West Virginia
  • Car insurance for high-risk drivers in West Virginia
  • How a speeding ticket impacts rates in West Virginia
  • Finding car insurance in West Virginia after a DUI
  • West Virginia car insurance laws

Wisconsin

Wisconsin drivers pay $522 less per year on average than other drivers in the U.S. for full coverage car insurance. Wisconsin has one of the lowest population densities in the country, at just six people per square mile. The state also has a low crime rate and a low cost of living. Together, these factors may account for the lower-than-average premiums in the Badger State.

  • Wisconsin auto insurance rates by city

    Wisconsin city Average annual premium for full coverage Average annual premium for minimum coverage
    Albany, Wisconsin $1,244 $329
    Green Bay, Wisconsin $1,028 $322
    Kenosha, Wisconsin $1,239 $437
    Madison, Wisconsin $1,107 $340
    Milwaukee, Wisconsin $1,611 $535

Insurance Auto Wisconsin auto insurance resources:

  • Best car insurance in Wisconsin
  • Average cost of car insurance in Wisconsin
  • Cheapest car insurance in Wisconsin
  • Driving without insurance in Wisconsin
  • Car insurance for high-risk drivers in Wisconsin
  • Finding car insurance in Wisconsin after a DUI
  • Wisconsin car insurance laws
  • Obtaining an SR-22 certificate in Wisconsin

Wyoming

In general, Wyoming drivers pay $261 less per year than the national average for full coverage car insurance. Wyoming has a low crime rate, little traffic congestion, a low cost of living and a low population density – all factors which may contribute to lower average car insurance premiums in the state.

  • Wyoming auto insurance rates by city

    Wyoming city Average annual premium for full coverage Average annual premium for minimum coverage
    Casper, Wyoming $1,450 $295
    Cheyenne, Wyoming $1,592 $291
    Gillette, Wyoming $1,574 $267
    Laramie, Wyoming $1,498 $253
    Rock Springs, Wyoming $1,447 $260

Insurance Auto Wyoming auto insurance resources:

  • Best car insurance in Wyoming
  • Average cost of car insurance in Wyoming
  • Cheapest car insurance in Wyoming
  • Driving without insurance in Wyoming
  • Car insurance for high-risk drivers in Wyoming
  • Finding car insurance in Wyoming after a DUI
  • Wyoming car insurance laws

No-fault states

Another factor impacting your car insurance rate is how your state handles car insurance in relation to car accidents. Some states are considered no-fault states, while others are at-fault states, or tort states. Contrary to what some believe, living in a no-fault state does not mean that no one is considered at fault in an accident. No-fault refers to how your or the other driver’s car insurance kicks in when there is an accident, specifically related to medical expenses.

Below is a list of the 12 no-fault states:

  • Florida
  • Hawaii
  • Kansas
  • Kentucky
  • Massachusetts
  • Michigan
  • Minnesota
  • New Jersey
  • New York
  • North Dakota
  • Pennsylvania
  • Utah

In a no-fault state, each party must first file a claim with their own car insurance to help cover any medical expenses after an accident, regardless of who caused the crash. Drivers in a no-fault state are typically required to carry a certain amount of Personal Injury Protection (PIP) to help cover these medical costs.

No-fault states can still determine liability after an accident and the responsible party could be liable for property damage and medical expenses that exceed a certain threshold, depending on the state. In at-fault or tort states, the driver responsible for the crash (or their car insurance company) compensates the other driver for their losses, including bodily injury and property damage, and the not-at-fault driver is not required to file a claim for their medical expenses with their own auto insurer.

PIP coverage does not include coverage for property damage. While no-fault states typically require that drivers carry a certain level of PIP coverage to help pay for their medical expenses, the same does not usually apply for property damage. Instead, property damage from a car accident in most no-fault states is handled similarly to property damage in at-fault states, where the at-fault driver’s insurance is responsible for covering any property damage. Michigan is the exception, as its department of insurance requires drivers to carry property protection insurance with a coverage limit of $1 million dollars to cover any property damaged by a driver in a car accident.

Frequently asked questions

    • What other factors are considered in my car insurance rate?

      Car insurance rating factors used by companies may include personal information, like your age, driving record and location, as well as vehicle information, like the make and model of your car. While these affect your base rate, it can help if you qualify for car insurance discounts as well. For example, you could earn a good driving discount based on your claims record or a good student discount if you have a young driver with good grades in your household.

    • What is a tort state?

      A tort state is a state that follows “at-fault” insurance laws. In a tort state, the driver considered at fault for a crash is responsible for paying for the damages they caused and the not-at-fault driver does not have to file a claim with their insurer. Some no-fault states, like Kentucky, also have tort options that limit or allow parties to file lawsuits for their medical expenses.

    • Is car insurance required in my state?

      Most states require drivers to carry some form of car insurance or meet another type of requirement. When it comes to car insurance, drivers are typically required to carry at least a minimum amount of bodily injury and property damage liability coverage, though some states may also require personal injury protection, medical payments and other coverage types. To protect your finances, it’s generally recommended by insurance experts to have car insurance and to buy higher limits than what’s required to offer sufficient coverage.

    • Will my state see a car insurance rate increase in 2022?

      Many states have conditions that could factor into higher car insurance premiums, making drivers in these areas riskier to insure. For instance, some areas have more weather-related insurance claims, vehicle thefts or collisions, contributing to higher car insurance premiums. With more drivers on the road in 2022 than in 2020, the number of claims returning to pre-pandemic levels and repair and labor costs have also increased. It’s likely that rates will continue to see a rise for the next year or so due to these factors.

 

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Car Insurance
Artur Starke
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