Car insurance rates by state for 2023

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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.
The national annual average for car insurance is $2,014 per year for full coverage and $622 per year for minimum coverage. Bankrate gathered average 2023 car insurance premiums from Quadrant Information Services and researched the insurance requirements for each state to give you some baseline information 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. Some states, however, require additional coverage types, like uninsured and underinsured motorist coverage or personal injury protection.
Car insurance rates may vary by state and insurance carrier based on a number of rating factors. Factors might include road conditions, the number of drivers or traffic density in a city, cost of living as it relates to repair and 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 | $1,843 | $441 |
Alaska | 50/100/25 | $1,946 | $421 |
Arizona | 25/50/15 | $1,810 | $587 |
Arkansas | 25/50/25 | $1,907 | $443 |
California | 15/30/5 | $2,291 | $636 |
Colorado | 25/50/15 | $2,121 | $500 |
Connecticut | 25/50/25 | $1,553 | $620 |
Delaware | 25/50/10 | $2,103 | $801 |
Florida | 10/20/10 | $3,183 | $1,128 |
Georgia | 25/50/25 | $2,085 | $639 |
Hawaii | 20/40/10 | $1,275 | $344 |
Idaho | 25/50/15 | $1,133 | $267 |
Illinois | 25/50/20 | $1,806 | $552 |
Indiana | 25/50/25 | $1,295 | $327 |
Iowa | 20/40/15 | $1,315 | $223 |
Kansas | 25/50/25 | $1,878 | $416 |
Kentucky | 25/50/25 | $2,124 | $678 |
Louisiana | 15/30/25 | $2,909 | $805 |
Maine | 50/100/25 | $941 | $225 |
Maryland | 30/60/15 | $1,971 | $815 |
Massachusetts | 20/40/5 | $1,262 | $429 |
Michigan | 50/100/10 | $2,691 | $1,104 |
Minnesota | 30/60/10 | $1,760 | $585 |
Mississippi | 25/50/25 | $1,771 | $446 |
Missouri | 25/50/25 | $1,943 | $490 |
Montana | 25/50/20 | $1,889 | $310 |
Nebraska | 25/50/25 | $1,624 | $359 |
Nevada | 25/50/20 | $2,779 | $973 |
New Hampshire | 25/50/25 | $1,262 | $319 |
New Jersey | 25/50/25 | $1,754 | $782 |
New Mexico | 25/50/10 | $1,591 | $346 |
New York | 25/50/10 | $3,139 | $1,371 |
North Carolina | 30/60/25 | $1,446 | $432 |
North Dakota | 25/50/25 | $1,302 | $269 |
Ohio | 25/50/25 | $1,266 | $338 |
Oklahoma | 25/50/25 | $1,998 | $406 |
Oregon | 25/50/20 | $1,415 | $616 |
Pennsylvania | 15/30/5 | $2,040 | $428 |
Rhode Island | 25/50/25 | $1,886 | $551 |
South Carolina | 25/50/25 | $1,532 | $524 |
South Dakota | 25/50/25 | $1,553 | $276 |
Tennessee | 25/50/25 | $1,429 | $371 |
Texas | 30/60/25 | $2,019 | $565 |
Utah | 25/65/15 | $1,510 | $539 |
Vermont | 25/50/10 | $1,061 | $238 |
Virginia | 30/60/20 | $1,439 | $494 |
Washington | 25/50/10 | $1,410 | $515 |
Washington, D.C. | 25/50/10 | $2,072 | $607 |
West Virginia | 25/50/25 | $1,580 | $421 |
Wisconsin | 25/50/10 | $1,292 | $358 |
Wyoming | 25/50/20 | $1,582 | $263 |
Alabama
According to the Reason Foundation’s Annual Highway Report, Alabama’s highway system ranks somewhere in the middle of the pack in terms of overall conditions. 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 $1,843 per year for full coverage.
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Alabama city Average annual premium for full coverage Average annual premium for minimum coverage Birmingham, Alabama $1,959 $493 Huntsville, Alabama $1,761 $456 Mobile, Alabama $1,958 $509 Montgomery, Alabama $1,871 $475 Tuscaloosa, Alabama $1,828 $455
Alaska
Alaska drivers pay slightly less for their auto insurance on average than the typical American driver. While Alaska has poorly-rated highway 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 lower than the national average at $1,946 per year.
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Alaska city Average annual premium for full coverage Average annual premium for minimum coverage Anchorage, Alaska $2,046 $528 Fairbanks, Alaska $1,885 $343 Wasilla, Alaska $1,977 $422
Arizona
Arizona drivers typically pay around $204 less per year for full coverage auto insurance than the national average, at $1,810 annually. Arizona’s roadways rank middle-of-the-road, and the state’s cost of living is average. Together, these factors likely contribute to Arizona’s car insurance rates being just under the national average.
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Arizona city Average annual premium for full coverage Average annual premium for minimum coverage Gilbert, Arizona $1,753 $598 Mesa, Arizona $1,799 $607 Phoenix, Arizona $1,957 $653 Scottsdale, Arizona $1,807 $604 Tempe, Arizona $1,833 $625 Tucson, Arizona $1,751 $553
Arkansas
Average Arkansas full coverage car insurance rates are $107 less per year than the national average. While the state does experience natural disasters like severe storms and flooding, it also has a relatively low population density, which may help even out average auto insurance premiums.
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Arkansas city Average annual premium for full coverage Average annual premium for minimum coverage Conway, Arkansas $1,833 $450 Dardanelle, Arkansas $1,847 $385 Fort Smith, Arkansas $1,775 $434 Jonesboro, Arkansas $1,832 $450 Little Rock, Arkansas $2,017 $546
California
Full coverage car insurance in California typically costs $277 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. Additionally, according to a Texas A&M report, California is home to two of the top five most congested large urban areas, with average commuters near Los Angeles and San Francisco spending more than 100 extra hours in traffic in 2019.
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California city Average annual premium for full coverage Average annual premium for minimum coverage Fresno, California $2,187 $604 Bakersfield, California $2,144 $565 Los Angeles, California $2,545 $725 Ontario, California $2,262 $636 Sacramento, California $2,328 $660 San Diego, California $2,328 $641 San Francisco, California $2,488 $670 San Jose, California $2,239 $596
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Colorado
Colorado’s full coverage car insurance rates are, on average, $107 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 and relatively high rate of uninsured motorists.
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Colorado city Average annual premium for full coverage Average annual premium for minimum coverage Aurora, Colorado $2,329 $594 Denver, Colorado $2,239 $573 Arvada, Colorado $2,012 $510 Boulder, Colorado $1,919 $477 Colorado Springs, Colorado $2,203 $516
Connecticut
Car insurance in Connecticut costs $461 less per year for full coverage than the rest of the country, on average. Connecticut has a low crime rate, including vehicle thefts, which may contribute to lower rates in the state.
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Connecticut city Average annual premium for full coverage Average annual premium for minimum coverage Danbury, Connecticut $1,565 $611 Greenwich, Connecticut $1,578 $598 New Britain, Connecticut $1,740 $699 Norwalk, Connecticut $1,557 $627 Stamford, Connecticut $1,640 $649
Delaware
Delaware’s average annual full coverage car insurance rates are $89 more than the national average. The state’s poorly-rated highway infrastructure and high population density could be partly responsible for these above-average rates.
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Delaware city Average annual premium for full coverage Average annual premium for minimum coverage Bear, Delaware $2,186 $877 Dover, Delaware $1,840 $695 Middletown, Delaware $1,958 $737 Newark, Delaware $2,169 $847 Wilmington, Delaware $2,194 $849
Florida
Florida has one of the highest average annual full coverage car insurance rates in the country, clocking in at $1,170 higher than the national average. High premiums could be due to diverse factors in this region. Florida is very prone to natural disasters, particularly hurricanes, but it also has a high population density which may contribute to more accidents on the roads.
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Florida city Average annual premium for minimum coverage in Florida Average annual premium for full coverage in Florida Orlando, Florida $2,870 $1,093 Fort Lauderdale, Florida $3,197 $1,152 Tampa, Florida $3,281 $1,182 West Palm Beach, Florida $3,331 $1,204 Miami, Florida $3,483 $1,168
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Georgia
Average full coverage car insurance rates in Georgia are about on par with the national average at $2,085 per year. Georgia experiences natural disasters like tornadoes and hurricanes and has a high fatal accident rate, but it also has a highly-rated highway infrastructure system and fairly low population density.
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Georgia city Average annual premium for full coverage Average annual premium for minimum coverage Atlanta, Georgia $2,177 $707 Macon, Georgia $2,097 $638 Savannah, Georgia $2,047 $658 Suwanee, Georgia $2,131 $715
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Hawaii
Despite Hawaii’s high cost of living, car insurance in the state is relatively cheap. Full coverage car insurance in the Aloha State costs $738 less than the national average per year. 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.
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Hawaii city Average annual premium for full coverage Average annual premium for minimum coverage Hana, Hawaii $1,234 $325 Hilo, Hawaii $1,348 $340 Honolulu, Hawaii $1,270 $349 Lahaina, Hawaii $1,234 $325 Pearl City, Hawaii $1,265 $347
Idaho
Idaho’s average annual full coverage car insurance rates are some of the cheapest in the country, coming in $881 cheaper than the national average. Car insurance rates in Idaho may 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 also contribute to low car insurance rates.
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Idaho city Average annual premium for full coverage Average annual premium for minimum coverage Boise, Idaho $1,032 $282 Meridian, Idaho $1,033 $286 Nampa, Idaho $1,119 $302 Idaho Falls, Idaho $1,175 $279 Caldwell, Idaho $1,142 $299
Illinois
Illinois drivers pay $208 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 highway infrastructure quality, but average rates may be lower due to the state’s low fatal accident rate and relatively low population density outside of the Chicago metropolitan area.
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Illinois city Average annual premium for full coverage Average annual premium for minimum coverage Burbank, Illinois $1,726 $545 Chicago, Illinois $1,952 $613 Forest Park, Illinois $1,882 $553 Lansing, Illinois $1,781 $522 Melrose Park, Illinois $1,871 $558
Indiana
Indiana drivers pay an average of $719 less per year than the national average for full coverage car insurance. Despite ranking in the top 15 states for most uninsured motorists, Indiana likely sees low average rates partially due to the state’s low population density.
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Indiana city Average annual premium for full coverage Average annual premium for minimum coverage Evansville, Indiana $1,333 $371 Fort Wayne, Indiana $1,243 $332 Chalmers, Indiana $1,298 $305 Indianapolis, Indiana $1,350 $354 Kokomo, Indiana $1,238 $329 South Bend, Indiana $1,248 $321
Iowa
In Iowa, drivers spend an average of $698 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 cheap average insurance costs in Iowa. In addition, Iowa drivers spend less time in traffic on their commute than drivers in most other states.
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Iowa city Average annual premium for full coverage Average annual premium for minimum coverage Cedar Rapids, Iowa $1,221 $246 Davenport, Iowa $1,324 $285 Des Moines, Iowa $1,332 $283 Iowa City, Iowa $1,174 $219 Sioux City, Iowa $1,458 $278
Kansas
Kansas drivers pay $136 more per year than the national annual average for full coverage car insurance. The state ranks in the middle of the pack for accident 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.
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Kansas city Average annual premium for full coverage Average annual premium for minimum coverage Kansas City, Kansas $2,039 $487 Olathe, Kansas $1,711 $436 Overland Park, Kansas $1,751 $449 Topeka, Kansas $1,857 $424 Wichita, Kansas $2,010 $484
Kentucky
Kentucky drivers typically spend $110 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 high fatality rates on state roadways and a relatively high number of uninsured drivers.
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Kentucky city Average annual premium for full coverage Average annual premium for minimum coverage Corbin, Kentucky $2,389 $754 Fort Knox, Kentucky $2,217 $708 Louisville, Kentucky $2,168 $782 Rockholds, Kentucky $2,398 $751 Williamsburg, Kentucky $2,414 $748
Louisiana
Louisiana’s average annual full coverage car insurance rates are sky-high, coming in at $896 higher than the national average. Car insurance in Louisiana may be expensive because of the state’s high accident fatality rate, poorly-rated highway infrastructure and volatile weather patterns.
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Louisiana city Average annual premium for full coverage Average annual premium for minimum coverage Baton Rouge, Louisiana $3,117 $892 Lafayette, Louisiana $2,786 $822 Metairie, Louisiana $3,247 $951 New Orleans, Louisiana $3,236 $942
Maine
Full coverage car insurance in Maine costs around $1,072 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 motorist fatality rate, few uninsured drivers and fairly cheap cost of living.
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Maine city Average annual premium for full coverage Average annual premium for minimum coverage Auburn, Maine $970 $260 Bangor, Maine $934 $240 Lewiston, Maine $970 $260 Portland, Maine $936 $253 South Portland, Maine $888 $239
Maryland
In general, Maryland drivers pay $43 less per year than the national average for full coverage car insurance. Maryland has a poorly-rated highway system, but its rates of uninsured drivers are fairly standard, and it has a low fatal accident rate.
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Maryland city Average annual premium for full coverage Average annual premium for minimum coverage Baltimore, Maryland $2,117 $923 Columbia, Maryland $1,834 $769 Germantown, Maryland $1,809 $748 Silver Spring, Maryland $2,035 $872 Waldorf, Maryland $2,023 $796
Massachusetts
Despite Massachusetts’ high cost of living and structurally deficient highway infrastructure, drivers in the Bay State typically pay $752 less per year than the national average for full coverage car insurance. These low rates could be due to Boston’s reliable public transportation system and the fact that the state has the second-lowest percentage of uninsured drivers in the country.
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Massachusetts city Average annual premium for full coverage Average annual premium for minimum coverage Cambridge, Massachusetts $1,326 $461 Elmwood, Massachusetts $1,394 $475 Middleton, Massachusetts $1,318 $446 Milton, Massachusetts $1,414 $494 Salem, Massachusetts $1,456 $497
Michigan
If you’re looking for car insurance in the Great Lakes State, you may have to pay a steep price. Michiganders generally pay $677 more per year for their full coverage car insurance than other U.S. drivers. Car insurance rates in Michigan may be especially high due to Michigan’s high proportion of uninsured drivers. 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.
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Michigan city Average annual premium for full coverage Average annual premium for minimum coverage Flint, Michigan $2,765 $1,110 Livonia, Michigan $2,455 $970 Royal Oak, Michigan $2,568 $1,046 Sterling Heights, Michigan $2,705 $1,172 Warren, Michigan $2,924 $1,282
Minnesota
In Minnesota, drivers typically spend about $254 less for car insurance per year compared to the national average. Minnesota ranks middle-of-the-road for cost of living, infrastructure quality, population density and number of licensed drivers.
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Minnesota city Average annual premium for full coverage Average annual premium for minimum coverage Almelund, Minnesota $1,948 $663 Duluth, Minnesota $1,689 $498 Minneapolis, Minnesota $1,809 $676 Redby, Minnesota $1,900 $486 Solway, Minnesota $1,893 $495
Mississippi
Average Mississippi drivers pay $243 less than the national average for full coverage car insurance, but urban areas with high congestion may experience more expensive rates. Mississippi has the highest rate of car accident deaths per 100,000 people and the highest proportion of uninsured drivers of any state. However, the cost of living is relatively low, which may help bring down rates despite these other factors.
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Mississippi city Average annual premium for full coverage Average annual premium for minimum coverage Biloxi, Mississippi $1,801 $520 Gulfport, Mississippi $1,818 $531 Hattiesburg, Mississippi $1,705 $451 Jackson, Mississippi $1,938 $518 Southaven, Mississippi $1,780 $500
Missouri
Missouri’s average annual full coverage car insurance rates are $71 below the national average. Although the state has a high rate of vehicle thefts and uninsured motorists, it has a highly-rated highway system and fairly low population density.
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Missouri city Average annual premium for full coverage Average annual premium for minimum coverage Dittmer, Missouri $2,188 $542 Independence, Missouri $2,022 $543 Kansas City, Missouri $2,030 $530 Springfield, Missouri $1,864 $523 Saint Louis, Missouri $2,041 $567
Montana
Montana residents typically pay $125 less per year than the average U.S. driver for their full coverage auto insurance. Montana has a low population density and low rate of uninsured motorists, which may contribute to its below-average rates.
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Montana city Average annual premium for full coverage Average annual premium for minimum coverage Billings, Montana $1,842 $377 Bozeman, Montana $1,841 $295 Butte, Montana $1,836 $334 Great Falls, Montana $1,805 $363 Nashua, Montana $2,123 $271
Nebraska
In line with Nebraska’s low cost of living and low population density, the state’s drivers pay $390 less per year compared to the national average for full coverage car insurance.
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Nebraska city Average annual premium for full coverage Average annual premium for minimum coverage Bellevue, Nebraska $1,619 $422 Grand Island, Nebraska $1,521 $301 Kearney, Nebraska $1,547 $284 Lincoln, Nebraska $1,457 $382 Omaha, Nebraska $1,646 $435
Nevada
Nevada residents pay $765 more per year on average for their full coverage car insurance than the average U.S. driver. These high rates could be due in part to Nevada’s high vehicle theft rate, especially around Las Vegas.
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Nevada city Average annual premium for full coverage Average annual premium for minimum coverage Blue Diamond, Nevada $2,438 $817 Henderson, Nevada $2,571 $892 Las Vegas, Nevada $2,840 $1,001 Nellis, Nevada $2,948 $1,013 Sloan, Nevada $2,449 $842
New Hampshire
New Hampshire drivers typically pay significantly less for their car insurance than the average American. Despite not having minimum car insurance requirements, average New Hampshire drivers pay nearly $800 less than the average American for a full coverage policy. Low population density, low vehicle theft rates and a low fatal accident rate likely all contribute to these cheap average rates.
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New Hampshire city Average annual premium for full coverage Average annual premium for minimum coverage Concord, New Hampshire $1,183 $317 Dover, New Hampshire $1,221 $335 Merrimack, New Hampshire $1,311 $351 Nashua, New Hampshire $1,314 $360 Rochester, New Hampshire $1,231 $335
New Jersey
Drivers in the Garden State experience high rates of traffic congestion, especially around Newark. Despite this, New Jersey drivers pay $260 less, on average, than the national average for full coverage car insurance. New Jersey has the lowest proportion of uninsured motorists of any state, which may help bring down average car insurance rates.
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New Jersey city Average annual premium for full coverage Average annual premium for minimum coverage Edison, New Jersey $1,796 $810 Lakewood, New Jersey $1,916 $899 Toms River, New Jersey $1,664 $770 Trenton, New Jersey $1,770 $793 Woodbridge, New Jersey $1,885 $858
New Mexico
New Mexico drivers pay around $423 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.
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New Mexico city Average annual premium for full coverage Average annual premium for minimum coverage Albuquerque, New Mexico $1,694 $404 Hobbs, New Mexico $1,566 $312 Rio Rancho, New Mexico $1,595 $390 Roswell, New Mexico $1,575 $309 Santa Fe, New Mexico $1,545 $354
New York
With the highest average cost for minimum 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 average full coverage premium of $3,139 may be largely due to the high number of fraudulent insurance claims made each year, in addition to its over 12 million registered vehicles and high population density.
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New York city Average annual premium for full coverage Average annual premium for minimum coverage Hempstead, New York $3,510 $1,652 Islip, New York $2,781 $1,297 Oyster Bay, New York $2,884 $1,255 Yonkers, New York $3,017 $1,238
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North Carolina
North Carolinians typically pay $568 less per year for their full coverage car insurance than the national average. North Carolina’s high-ranking highway system, mild weather and fairly low cost of living could contribute to these lower-than-average rates.
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North Carolina city Average annual premium for full coverage Average annual premium for minimum coverage Greensboro, North Carolina $1,441 $449 Durham, North Carolina $1,452 $444 Fayetteville, North Carolina $1,484 $447 High Point, North Carolina $1,465 $455 Raleigh, North Carolina $1,414 $460 Wilmington, North Carolina $1,391 $468
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North Dakota
According to the Reason Foundation study, North Dakota’s highway infrastructure ranks as the best in the country. North Dakota drivers typically pay $568 less annually for their full coverage car insurance than the average American driver. These rates may also be attributed to the state’s low instances of fatal crashes, low population density and low number of licensed drivers.
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North Dakota city Average annual premium for full coverage Average annual premium for minimum coverage Grand Forks, North Dakota $1,149 $297 Minot, North Dakota $1,262 $298 South Heart, North Dakota $1,358 $272 Williston, North Dakota $1,322 $277
Ohio
Ohio is one of the cheapest states for full coverage car insurance on average, with drivers paying $1,266 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.
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Ohio city Average annual premium for full coverage Average annual premium for minimum coverage Akron, Ohio $1,319 $374 Dayton, Ohio $1,267 $336 Cincinnati, Ohio $1,324 $373 Cleveland, Ohio $1,401 $383 Columbus, Ohio $1,385 $387 Toledo, Ohio $1,394 $393
Oklahoma
Oklahoma drivers pay an average full coverage insurance rate very close to the national average. This rate is in line with the state’s low population density and low cost of living, but poor rural road conditions and a high accident fatality rate may keep average rates from being lower.
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Oklahoma city Average annual premium for full coverage Average annual premium for minimum coverage Broken Arrow, Oklahoma $2,059 $462 Norman, Oklahoma $1,979 $423 Oklahoma City, Oklahoma $2,150 $474 Tulsa, Oklahoma $2,158 $479
Oregon
Despite Oregon’s high cost of living, drivers in the state pay nearly $600 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.
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Oregon city Average annual premium for full coverage Average annual premium for minimum coverage Beaverton, Oregon $1,483 $711 Bend, Oregon $1,333 $515 Portland, Oregon $1,512 $708 Salem, Oregon $1,418 $667
Pennsylvania
Pennsylvania drivers pay an average of $26 more per year for full coverage car insurance than the average U.S. driver. Pennsylvania has a low rate of accident fatalities and uninsured motorists, but high population density and cost of living likely bring average rates up.
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Pennsylvania city Average annual premium for full coverage Average annual premium for minimum coverage Allentown, Pennsylvania $1,950 $416 Erie, Pennsylvania $1,924 $431 Pittsburgh, Pennsylvania $1,988 $403 Reading, Pennsylvania $1,985 $397
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Rhode Island
Rhode Island residents pay an average of $1,886 per year for full coverage car insurance. This below-average rate is likely due to the state’s low traffic fatality rate and low crime rates. However, the state has a poorly-rated highway infrastructure system and high rate of uninsured drivers, which may prevent rates from being even lower.
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Rhode Island city Average annual premium for full coverage Average annual premium for minimum coverage Cranston, Rhode Island $2,180 $646 East Providence, Rhode Island $2,056 $608 Pawtucket, Rhode Island $2,088 $643 Warwick, Rhode Island $1,919 $590
South Carolina
Compared to average U.S. drivers, South Carolina motorists pay an average full coverage premium that is $482 cheaper. South Carolina’s low cost of living, low population density and mild weather may contribute to affordable average car insurance rates in the Palmetto State.
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South Carolina city Average annual premium for full coverage Average annual premium for minimum coverage Columbia, South Carolina $1,543 $552 Darlington, South Carolina $1,632 $554 Gaffney, South Carolina $1,511 $493 Greenville, South Carolina $1,435 $517 Lancaster, South Carolina $1,624 $541
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South Dakota
Drivers in the Mount Rushmore State spend $461 less than the national average for full coverage car insurance. These low rates may be contributed to a low population density and a low number of uninsured drivers.
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South Dakota city Average annual premium for full coverage Average annual premium for minimum coverage Aberdeen, South Dakota $1,456 $256 Brookings, South Dakota $1,401 $259 Rapid City, South Dakota $1,744 $304 Sioux Falls, South Dakota $1,444 $344 Watertown, South Dakota $1,411 $263
Tennessee
Tennessee drivers typically pay around $585 less per year for full coverage auto insurance than the average American. Although the Volunteer State has the third-highest proportion of uninsured drivers, it ranks 10th in best highway performance and has a fairly low population density, which may bring rates down.
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Tennessee city Average annual premium for full coverage Average annual premium for minimum coverage Chattanooga, Tennessee $1,358 $367 Clarksville, Tennessee $1,355 $362 Knoxville, Tennessee $1,389 $374 Memphis, Tennessee $1,659 $472 Murfreesboro,
Tennessee$1,333 $357 Nashville, Tennessee $1,412 $392
Texas
Texas drivers pay average full coverage rates within $5 of the national average. While the state claims average rankings in cost of living and highway performance, Texas has a high number of annual vehicle thefts and the metropolitan areas of Houston, Dallas-Fort Worth and Austin frequently experience severe traffic congestion.
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Texas city Average annual premium for full coverage Average annual premium for minimum coverage Allen, Texas $1,857 $558 Austin, Texas $1,894 $541 Beaumont, Texas $2,020 $587 Corpus Christi, Texas $1,880 $579 Dallas, Texas $2,163 $616 Amarillo, Texas $2,036 $464 Fort Worth, Texas $1,968 $549 El Paso, Texas $1,948 $488 Frisco, Texas $1,851 $554 Garland, Texas $2,183 $634 Grand Prairie, Texas $2,071 $587 Odessa, Texas $1,892 $466 Houston, Texas $2,219 $646 Irving, Texas $2,133 $600 Laredo, Texas $2,155 $527 Lubbock, Texas $1,902 $487 McAllen, Texas $2,168 $626 McKinney, Texas $1,869 $555 Mercedes, Texas $2,107 $594 Mesquite, Texas $2,189 $624 Plano, Texas $1,886 $570 San Antonio, Texas $1,985 $577 Texarkana, Texas $1,868 $479 Tyler, Texas $1,876 $535
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Utah
Drivers in the Beehive State pay an average of $504 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.
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Utah city Average annual premium for full coverage Average annual premium for minimum coverage Aurora, Utah $1,394 $433 Orem, Utah $1,551 $581 Provo, Utah $1,525 $568 Salt Lake City, Utah $1,622 $596
Vermont
Vermont drivers pay some of the lowest average car insurance rates in the country with an average full coverage premium of $1,061 per year. 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.
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Vermont city Average annual premium for full coverage Average annual premium for minimum coverage Burlington, Vermont $992 $262 Colchester, Vermont $1,038 $252 Concord, Vermont $1,085 $228 Greensboro, Vermont $1,075 $226 South Burlington, Vermont $977 $262
Virginia
Virginia residents spend an average of $575 less per year on full coverage car insurance than other drivers in the U.S. Virginia has a very low fatal accident rate and highly-rated highway infrastructure, but an average number of uninsured motorists may keep rates from being lower.
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Virginia city Average annual premium for full coverage Average annual premium for minimum coverage Alexandria, Virginia $1,538 $560 Arlington, Virginia $1,450 $529 Chesapeake, Virginia $1,441 $536 Richmond, Virginia $1,467 $528
Washington
Despite the state’s high cost of living, Washington residents spend almost $604 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.
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Washington city Average annual premium for full coverage Average annual premium for minimum coverage Bellevue, Washington $1,383 $513 Everett, Washington $1,389 $528 Kent, Washington $1,529 $585 Seattle, Washington $1,535 $574 Tacoma, Washington $1,560 $592
Washington, D.C.
The average annual cost of full coverage car insurance in Washington, D.C. is $58 more expensive than the national average. The nation’s capital has a population density around ten times higher than any state, which contributes to congestion and potential car accidents. On the other hand, the small size of Washington, D.C. means widespread access to some form of public transportation.
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Average annual premium for full coverage Average annual premium for minimum coverage Washington, D.C. $2,072 $607
West Virginia
West Virginia residents typically spend $433 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.
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West Virginia city Average annual premium for full coverage Average annual premium for minimum coverage Charleston, West Virginia $1,576 $463 Huntington, West Virginia $1,603 $487 Morgantown, West Virginia $1,468 $399 Parkersburg, West Virginia $1,566 $436 Wheeling, West Virginia $1,447 $412
Wisconsin
Wisconsin drivers pay $721 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. 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.
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Wisconsin city Average annual premium for full coverage Average annual premium for minimum coverage Albany, Wisconsin $1,295 $328 Kenosha, Wisconsin $1,281 $437 Madison, Wisconsin $1,281 $356 Milwaukee, Wisconsin $1,387 $460
Wyoming
Wyoming has a very low population density and low number of licensed drivers but a high accident fatality rate. These factors likely contribute to the state’s average full coverage premium of $1,582 per year.
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Wyoming city Average annual premium for full coverage Average annual premium for minimum coverage Casper, Wyoming $1,516 $296 Cheyenne, Wyoming $1,670 $292 Gillette, Wyoming $1,650 $268 Laramie, Wyoming $1,570 $254 Rock Springs, Wyoming $1,514 $261
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 typically 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
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Car insurance rating factors used by companies may include personal information, like your age (in most states), driving record and location, as well as vehicle information, like the make and model of your car. These factors and more may influence your base rate, but other strategies, like car insurance discounts, may help you save. 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.
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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 and medical expenses they caused and the not-at-fault driver does not have to file a claim with their insurer (although they could choose to do so). Some no-fault states, like Kentucky, also have tort options that limit or allow parties to file lawsuits for their medical expenses.
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The best car insurance company may vary for every driver based on their personal rating factors and insurance preferences. For example, a driver with a few incidents on their record may be looking for the best company for high-risk drivers, while a parent of a newly-licensed teen may be looking for a company with a telematics program geared towards new drivers. To find the best company for your needs, many insurance professionals recommend researching companies to find a few good options, then comparing quotes from these insurers to find the one that could offer you the best rate.
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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.
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With more drivers on the road in 2023 than in 2020, claims frequency has steadily been increasing back to pre-pandemic levels, contributing to potential rate increases in many areas. Auto insurance costs increased in most areas in 2022, and factors such as higher costs of repairs, high used vehicle prices and labor shortages may exacerbate this trend in 2023. Additionally, Tennessee and New Jersey both introduced higher minimum car insurance requirements in 2023, which may affect rates for drivers in those states with minimum coverage.
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Methodology
Bankrate utilizes Quadrant Information Services to analyze 2023 rates for 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 coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.