State Auto Insurance Hub

Idaho ($113/mo) and Iowa ($117/mo) offer the cheapest auto insurance rates by state. The most expensive is Louisiana ($234/mo). Comparison is important because factors like your ZIP code will have a major affect on your auto insurance rates.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Feb 17, 2021

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Location Matters

When it comes to car insurance, no question can be fully answered until the where is determined. It’s shocking how much car insurance prices and laws vary from state to state. The states that make up the United States of America are far from united when it comes to how they govern their drivers.

For this very reason, our team of researchers created complete guides on each state and even major cities within them (links below).

These essential area-specific guides are packed full of everything from the minimum coverage drivers are required to carry to how long commuters are stuck in traffic on their way to work.

In our comprehensive guides will find car insurance rates by zip code, provider, and how they vary by unique driver profiles. You can even find out what you would be expected to pay after one ticket or accident in that specific location.

Rates by State

Before you are wowed by one of our state or city guides, take a look at the two charts below to see how drastically insurance prices vary across America. Check out the ten least and most expensive states for car insurance with their average rates broken down by type of coverage.

You think that’s interesting? Just wait until you scroll through one of our guides.

The 10 States with the Cheapest Car Insurance

StateCollisionComprehensiveLiabilityFull Coverage
Idaho$219$117$344$680
Iowa$220$184$299$702
Maine$260$105$339$704
Wisconsin$226$137$374$737
Indiana$250$122$383$755
Vermont$295$125$343$764
South Dakota$209$258$300$767
North Dakota$244$231$298$773
Ohio$270$122$397$789
North Carolina$294$136$359$789
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Even when just looking at the ten cheapest states for auto insurance, Maine and South Dakota’s rates for comprehensive vary by over $150. And, while Idaho has the cheapest full coverage in the U.S., other states have cheaper prices in the specific lines of coverage.

Car insurance prices are sneaky like that. You have to pay close attention to all the minor details—they sure add up fast.The 10 States with the Most Expensive Car Insurance

The 10 States with the Most Expensive Car Insurance

StateCollisionComprehensiveLiabilityFull Coverage
Maryland$354$153$610$1,116
Massachusetts$388$135$606$1,129
Connecticut$369$132$651$1,151
Delaware$319$122$799$1,241
Florida$283$117$858$1,257
Rhode Island$412$132$760$1,304
New York$385$171$805$1,361
Michigan$414$155$795$1,364
New Jersey$382$131$870$1,383
Louisiana$414$215$776$1,405
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You’d be hard-pressed to find an insurance provider in any of the above ten states that will offer you full auto coverage for under one thousand dollars a year. If you live in one of these most expensive states, you can expect to pay $800 or more for liability coverage alone.

Again, you’ll find quite the variance in rates . . . an average $131 difference between collision coverage in Florida and its neighbor, Louisiana. And, a $264 price difference on liability coverage between New Jersey and Massachusetts.

When comparing car insurance rates across the country, you’ll quickly come to an alarming realization: residents in the cheapest states are paying over $700 less each year for their car insurance coverage than residents in the most expensive states.

Dig Deeper

Comparing average car insurance rates across the U.S. is helpful, especially for those who are moving or travelling out of state. But, you really need to know the insurance laws and rates where you live, work, and spend the most time on the roads.

Below you will find links to our comprehensive guides for the top cities in every state.

These auto insurance guides are an indispensable source for all things relating to traffic, driving, and of course, insurance in the specific cities where you will be driving.

We don’t sell car insurance, but we can help you find the best providers out there who do. We’re a team of experts who work daily to bring you the most up-to-date crash stats, auto insurance rates, and much more. We’re here to make sure you have the knowledge you need to protect your investments and family each time you brave the open road.

Follow the links below to get your insurance questions answered for the specific states and cities where you and your loved ones will be driving.

ALABAMA

The Yellowhammer State

Top Cities

Birmingham
Montgomery
Mobile
Huntsville
Tuscaloosa

ALASKA

The Last Frontier

Top Cities

Anchorage
Fairbanks
Juneau
Sitka
Ketchikan

ARIZONA

The Grand Canyon State

Top Cities

Phoenix
Tucson
Mesa
Chandler
Glendale

ARKANSAS

The Natural State

Top Cities

Little Rock
Fort Smith
Springdale
Jonesboro

CALIFORNIA

The Golden State

Top Cities

Los Angeles
San Diego
San Jose
San Francisco
Fresno

COLORADO

The Centennial State

Top Cities

Denver
Colorado Springs
Aurora
Fort Collins
Lakewood

CONNECTICUT

The Constitution State

Top Cities

Bridgeport
New Haven
Stamford
Hartford
Waterbury

DELAWARE

The First State

Top Cities

Wilmington
Dover
Newark
Milford
Seaford

GEORGIA

The Peach State

Top Cities
Atlanta
Augusta
Columbus
Savannah
Athens

HAWAII

The Aloha State

Top Cities

Honolulu
Hilo
Kailua
Kapolei
Kaneohe

IDAHO

The Gem State

Top Cities

Boise
Nampa
Meridian
Idaho Falls
Pocatello

ILLINOIS

The Prairie State

Top Cities

Chicago
Aurora
Rockford
Joliet
Naperville

INDIANA

The Hoosier State

Top Cities

Indianapolis
Fort Wayne
Evansville
South Bend
Carmel

IOWA

The Hawkeye State

Top Cities

Des Moines
Cedar Rapids
Davenport
Sioux City
Waterloo

KANSAS

The Sunflower State

Top Cities

Wichita
Overland Park
Kansas City
Topeka
Olathe

KENTUCKY

The Bluegrass State

Top Cities

Louisville
Lexington
Bowling Green
Owensboro
Covington

LOUISIANA

The Pelican State

Top Cities

New Orleans
Baton Rouge
Shreveport
Lafayette
Lake Charles

MAINE

The Pine Tree State

Top Cities

Portland
Lewiston
Bangor
South Portland
Auburn

MARYLAND

The Old Line State

Top Cities

Baltimore
Columbia
Germantown
Silver Spring
Waldorf

MASSACHUSETTS

The Bay State

Top Cities

Boston
Worcester
Springfield
Lowell
Cambridge

MICHIGAN

The Great Lakes State

Top Cities

Detroit
Grand Rapids
Warren
Sterling Heights
Ann Arbor

MINNESOTA

The North Star State

Top Cities

Minneapolis
Saint Paul
Rochester
Duluth
Bloomington

MISSISSIPPI

The Magnolia State

Top Cities

Jackson
Gulfport
Hattiesburg
Southaven
Biloxi

MISSOURI

The Show Me State

Top Cities

St. Louis
Kansas City
Springfield
Jefferson City
Columbia

MONTANA

The Treasure State

Top Cities

Billings
Missoula
Great Falls
Bozeman
Butte

NEBRASKA

The Cornhusker State

Top Cities

Omaha
Lincoln
Bellevue
Grand Island
Kearney

NEVADA

The Silver State

Top Cities

Las Vegas
Henderson
North Las Vegas
Reno
Sparks

NEW HAMPSHIRE

The Granite State

Top Cities

Manchester
Nashua
Concord
Derry
Rochester

NEW JERSEY

The Garden State

Top Cities

Newark
Jersey City
Paterson
Elizabeth
Edison

NEW MEXICO

The Land of Enchantment

Top Cities

Albuquerque
Las Cruces
Rio Rancho
Santa Fe
Roswell

NEW YORK

The Empire State

Top Cities

New York
Buffalo
Rochester
Yonkers
Syracuse

NORTH CAROLINA

The Tar Heel State

Top Cities

Charlotte
Raleigh
Greensboro
Durham
Winston–Salem

North Dakota

The Peace Garden State

Top Cities

Fargo
Bismarck
Grand Forks
Minot
West Fargo

OHIO

The Buckeye State

Top Cities

Columbus
Cleveland
Cincinnati
Toledo
Akron

OKLAHOMA

The Sooner State

Top Cities

Oklahoma City
Tulsa
Norman
Broken Arrow
Lawton

OREGON

The Beaver State

Top Cities

Portland
Salem
Eugene
Gresham
Hillsboro

PENNSYLVANIA

The Keystone State

Top Cities

Philadelphia
Pittsburgh
Allentown
Erie
Reading

RHODE ISLAND

The Ocean State

Top Cities

Providence
Warwick
Cranston
Pawtucket
East Providence

SOUTH CAROLINA

The Palmetto State

Top Cities

Columbia
Charleston
North Charleston
Mount Pleasant
Rock Hill

SOUTH DAKOTA

The Mount Rushmore State

Top Cities

Sioux Falls
Rapid City
Aberdeen
Brookings
Watertown

TENNESSEE

The Volunteer State

Top Cities

Chattanooga
Clarksville
Knoxville
Memphis
Murfreesboro

The Lone Star State

Top Cities

Austin
Dallas
El Paso
Fort Worth
Houston

UTAH

The Beehive State

Top Cities

Orem
Provo
Salt Lake City
Sandy
West Jordan

VERMONT

The Green Mountain State

Top Cities

Barre
Burlington
Montpelier
Rutland
South Burlington

VIRGINIA

The Old Dominion

Top Cities

Alexandria
Chesapeake
Newport News
Norfolk
Richmond

WEST VIRGINIA

Top Cities

Charleston
Huntington
Morgantown
Parkersburg
Weirton

WASHINGTON

The Evergreen State

Top Cities

Bellevue
Everett
Seattle
Spokane
Tacoma

WISCONSIN

The Badger State

Top Cities

Appleton
Green Bay
Kenosha
Madison
Milwaukee

WYOMING

The Equality State

Top Cities

Casper
Cheyenne
Gillette
Laramie
Rock Springs

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