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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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.

  • 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.

  • 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.

  • 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.

  • 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.

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.

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.

  • 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.

  • 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.

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.

  • 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

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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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

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.

  • 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

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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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

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.

  • 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.

  • 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

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.

  • 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.

  • 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.

  • 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

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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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

    • 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.
    • 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.
    • 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.
    • 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.
    • 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.

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.