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Car Insurance by State

Where you live is one of the biggest factors in your premium. Compare illustrative costs and minimum coverage requirements for every state.

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Quick answer

Car insurance costs vary widely by state due to differences in traffic, weather, repair costs, and regulation. States like Michigan, Louisiana, and Florida tend to be the most expensive, while Maine, Vermont, and Idaho are among the cheapest.

Illustrative full-coverage cost by state

StateMin. liabilityIllustrative full / moDetails
Alabama25/50/25$171Alabama rates
Alaska50/100/25$158Alaska rates
Arizona25/50/15$183Arizona rates
Arkansas25/50/25$167Arkansas rates
California15/30/5$200California rates
Colorado25/50/15$192Colorado rates
Connecticut25/50/25$179Connecticut rates
Delaware25/50/10$188Delaware rates
District of Columbia25/50/10$175District of Columbia rates
Florida10/20/10$233Florida rates
Georgia25/50/25$179Georgia rates
Hawaii20/40/10$125Hawaii rates
Idaho25/50/15$121Idaho rates
Illinois25/50/20$142Illinois rates
Indiana25/50/25$129Indiana rates
Iowa20/40/15$117Iowa rates
Kansas25/50/25$146Kansas rates
Kentucky25/50/25$175Kentucky rates
Louisiana15/30/25$242Louisiana rates
Maine50/100/25$108Maine rates
Maryland30/60/15$162Maryland rates
Massachusetts20/40/5$154Massachusetts rates
Michigan50/100/10$258Michigan rates
Minnesota30/60/10$142Minnesota rates
Mississippi25/50/25$158Mississippi rates
Missouri25/50/25$150Missouri rates
Montana25/50/20$154Montana rates
Nebraska25/50/25$138Nebraska rates
Nevada25/50/20$196Nevada rates
New Hampshire25/50/25$112New Hampshire rates
New Jersey25/50/25$183New Jersey rates
New Mexico25/50/10$142New Mexico rates
New York25/50/10$217New York rates
North Carolina30/60/25$125North Carolina rates
North Dakota25/50/25$121North Dakota rates
Ohio25/50/25$125Ohio rates
Oklahoma25/50/25$167Oklahoma rates
Oregon25/50/20$142Oregon rates
Pennsylvania15/30/5$158Pennsylvania rates
Rhode Island25/50/25$192Rhode Island rates
South Carolina25/50/25$154South Carolina rates
South Dakota25/50/25$133South Dakota rates
Tennessee25/50/15$142Tennessee rates
Texas30/60/25$183Texas rates
Utah25/65/15$138Utah rates
Vermont25/50/10$108Vermont rates
Virginia30/60/20$125Virginia rates
Washington25/50/10$142Washington rates
West Virginia25/50/25$146West Virginia rates
Wisconsin25/50/10$125Wisconsin rates
Wyoming25/50/20$129Wyoming rates

Estimated rates for illustration only — not a quote.

Why rates vary by state

Each state sets its own minimum coverage requirements and regulates insurers differently. Population density, accident and theft rates, weather risk, and repair costs all push premiums up or down. See our rates by state overview and compare costs by vehicle or by company.

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Car insurance by state FAQs

In most states, insurers use a credit-based insurance score as one rating factor, so having thin or no credit can lead to higher premiums than a driver with strong credit. California, Hawaii, Massachusetts, and Michigan restrict or ban this practice. Building credit over time can help lower your rate at renewal.

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