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State car insurance rates

Every state has its own car insurance laws, and that means car insurance rates change dramatically across the country. See the average annual car insurance for each state. Click on your state to find out:

  • Average rates by ZIP code
  • Minimum insurance requirements
  • Laws specific to your state
  • Largest car insurance companies in your state
StateAverage rateCompared to national averageRank (most expensive to least expensive) Alabama $1,230 +$6 24 Alaska $1,209 -$15 27 Arizona $1,021 -$203 39 Arkansas $1,289 +$65 18 California $1,433 +$209 10 Colorado $1,116 -$108 31 Connecticut $1,527 +$303 8 Delaware $1,617 +$393 6 District of Columbia $1,630 +$406 4 Florida $1,402 +$178 12 Georgia $1,161 -$63 28 Hawaii $1,084 -$140 34 Idaho $831 -$393 48 Illinois $1,001 -$223 40 Indiana $891 -$333 46 Iowa $951 -$273 41 Kansas $1,153 -$71 30 Kentucky $1,484 +$260 9 Louisiana $1,657 +$433 3 Maine $763 -$461 51 Maryland $1,258 +$34 20 Massachusetts $1,302 +$78 17 Michigan $2,226 +$1,002 1 Minnesota $1,273 +$49 19 Mississippi $1,223 -$1 25 Missouri $1,074 -$150 36 Montana $1,320 +$96 16 Nebraska $1,069 -$155 37 Nevada $1,351 +$127 15 New Hampshire $864 -$360 47 New Jersey $1,239 +$15 22 New Mexico $1,160 -$64 29 New York $1,542 +$318 7 North Carolina $800 -$424 49 North Dakota $1,382 +$158 14 Ohio $771 -$453 50 Oklahoma $1,396 +$172 13 Oregon $1,063 -$161 38 Pennsylvania $1,210 -$14 26 Rhode Island $2,000 +$776 2 South Carolina $1,109 -$115 32 South Dakota $1,077 -$147 35 Tennessee $1,230 +$6 23 Texas $1,411 +$187 11 Utah $930 -$294 42 Vermont $915 -$309 43 Virginia $899 -$325 45 Washington $1,085 -$139 33 West Virginia $1,626 +$402 5 Wisconsin $908 -$316 44 Wyoming $1,242 +$18 21 National Average $1,224

Nearly everything having to do with car insurance depends heavily on your state. The resources linked below will help you understand specific laws that may or may not affect you.

What is a tort state?: Thirty-eight states use the tort system, which means that someone is found at fault for every accident that involves car insurance, even if the fault is determined to be 50/50 between two drivers.

What is a no-fault state?: Under the no-fault system, car insurance companies pay for certain damages regardless of who was at fault. Laws vary among the 12 states that have no-fault insurance.

No pay, no play states: In states with “no pay, no play” laws, driving without insurance is even more risky than in other states. Uninsured drivers in these states are not compensated for any damage, even in accidents that are not their fault.

Which states share speeding ticket information?: Many states have formal agreements with each other, such as the Drivers License Compact and the Non-Resident Violator Compact, to share information regarding traffic tickets when drivers are ticketed out of state.


Category: Auto Insurance

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