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Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More The national annual average for car insurance is $1,771 for full coverage and $545 per year for minimum coverage. Bankrate gathered average 2022 car insurance premiums from Quadrant Information Services and researched the insurance requirements for each state to give you the information you need about your state as you get started in your insurance shopping journey.

Car insurance rates by state

The table below lists the in each state for both the state’s minimum coverage levels and , which includes and 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. Car insurance rates vary by state and since there are a number of factors affecting premiums. Factors might include road conditions, the number of drivers or traffic density in a city, as it relates to repair 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 25/50/25 $443 $1,760 50/100/25 $417 $1,770 25/50/15 $579 $1,743 25/50/25 $437 $1,806 15/30/5 $619 $2,190 25/50/15 $495 $2,019 25/50/25 $646 $1,533 25/50/10 $747 $1,963 10/20/10 $997 $2,762 25/50/25 $630 $1,985 20/40/10 $338 $1,206 25/50/15 $271 $1,065 25/50/20 $477 $1,548 25/50/25 $329 $1,242 20/40/15 $227 $1,254 25/50/25 $419 $1,802 25/50/25 $658 $1,954 15/30/25 $807 $2,864 50/100/25 $227 $876 30/60/15 $836 $1,931 20/40/5 $446 $1,296 50/100/10 $946 $2,345 30/60/10 $600 $1,692 25/50/25 $450 $1,701 25/50/25 $504 $1,861 25/50/20 $310 $1,795 25/50/25 $367 $1,538 25/50/20 $846 $2,426 25/50/25 $324 $1,182 15/30/5 $855 $1,891 25/50/10 $347 $1,489 25/50/10 $1,339 $2,996 30/60/25 $431 $1,392 25/50/25 $268 $1,225 25/50/25 $336 $1,200 25/50/25 $408 $1,902 25/50/20 $625 $1,371 15/30/5 $441 $2,002 25/50/25 $569 $1,847 25/50/25 $518 $1,464 25/50/25 $274 $1,542 25/50/15 $372 $1,383 30/60/25 $551 $1,868 25/65/15 $544 $1,449 25/50/10 $242 $1,000 30/60/20 $475 $1,340 25/50/10 $482 $1,313 25/50/10 $613 $1,948 25/50/25 $427 $1,527 25/50/10 $364 $1,249 25/50/20 $262 $1,510

Alabama

Alabama car insurance costs around the same as the national average. According to the , the state’s highway system ranks somewhere in the middle of the pack, at twenty-eighth. While Alabama experiences its fair share of volatile weather and , 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 $1,760 per year for full coverage.

Alabama auto insurance rates by city

Alabama city Average annual premium for full coverage Average annual premium for minimum coverage $1,871 $495 Huntsville, Alabama $1,685 $458 Mobile, Alabama $1,874 $511 $1,790 $476 Tuscaloosa, Alabama $1,747 $456 Insurance Auto Alabama auto insurance resources:

Alaska

Alaska drivers pay slightly less for their auto insurance on average than the typical American driver. On average, drivers in Alaska spent only 5.38 peak hours in congestion in 2020 – the seventh-least of any U.S. state. While Alaska is known for having sub-par 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 around the same as the national average at $1,770 per year.

Alaska auto insurance rates by city

Alaska city Average annual premium for full coverage Average annual premium for minimum coverage Anchorage, Alaska $1,917 $538 Fairbanks, Alaska $1,738 $349 Juneau, Alaska $1,385 $301 Ketchikan, Alaska $1,402 $286 Wasilla, Alaska $1,831 $429 Insurance Auto Alaska auto insurance resources:

Arizona

Arizona drivers typically pay around $28 less per year for full coverage auto insurance than the national average, at $1,743 annually. Arizona’s roadways rank middle-of-the-road, and the state’s cost of living is average. Arizona drivers spend an average of 11.21 peak hours in traffic due to congestion, which is less than average for the U.S. Together, these factors likely contribute to Arizona’s car insurance rates being just under the national average.

Arizona auto insurance rates by city

Arizona city Average annual premium for full coverage Average annual premium for minimum coverage Gilbert, Arizona $1,704 $602 Mesa, Arizona $1,748 $611 Phoenix, Arizona $2,064 $708 Quartzsite, Arizona $1,441 $422 Scottsdale, Arizona $1,752 $607 Tempe, Arizona $1,782 $628 Tucson, Arizona $1,666 $549 Yuma, Arizona $1,497 $455 Insurance Auto Arizona auto insurance resources:

Arkansas

Average Arkansas full coverage car insurance rates are $35 more per year than the national average, which could be due, in part, to Arkansas ranking fourth for the highest crime rate in the country, according to . In addition, the Natural State ranks fifth for states with worst weather. One factor that may be preventing Arkansas car insurance levels from skyrocketing is that the state has one of the lowest costs of living.

Arkansas auto insurance rates by city

Arkansas city Average annual premium for full coverage Average annual premium for minimum coverage Conway, Arkansas $1,737 $445 Dardanelle, Arkansas $1,746 $379 Fort Smith, Arkansas $1,681 $429 Jonesboro, Arkansas $1,736 $445 Little Rock, Arkansas $1,928 $543 Insurance Auto Arkansas auto insurance resources:

California

Full coverage car insurance in California typically costs $419 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. In addition, two of the four metropolitan areas with the worst congestion are located in California, according to a USA Today analysis.

California auto insurance rates by city

California city Average annual premium for full coverage Average annual premium for minimum coverage $2,051 $576 Anaheim, California $2,176 $637 Antioch, California $2,232 $600 $2,052 $559 Berkeley, California $2,175 $600 Fontana, California $2,161 $602 Hayward, California $2,197 $584 Huntington Beach, California $2,088 $645 Irvine, California $2,093 $618 Long Beach, California $2,318 $674 $2,941 $857 Modesto, California $2,148 $613 Moreno Valley, California $2,173 $597 Oakland, California $2,443 $634 $2,201 $623 Oxnard, California $2,004 $577 Palmdale, California $2,363 $694 Riverside, California $2,128 $601 $2,288 $657 San Bernardino, California $2,322 $624 $1,976 $564 $2,481 $678 $2,087 $578 Santa Ana, California $2,124 $622 Santa Clarita, California $2,301 $692 Stockton, California $2,167 $596 Visalia, California $1,869 $514 Insurance Auto California auto insurance resources:

Colorado

Colorado’s full coverage car insurance rates are, on average, $248 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. In addition, Coloradans spend an average of 16.5 peak hours in traffic congestion per year, which is seven hours more than the national average.

Colorado auto insurance rates by city

Colorado city Average annual premium for full coverage Average annual premium for minimum coverage $2,258 $597 $2,166 $575 Arvada, Colorado $1,942 $511 $1,841 $477 $2,132 $518 Fort Collins, Colorado $1,751 $436 Greeley, Colorado $1,864 $446 Littleton, Colorado $1,960 $521 Pueblo, Colorado $2,222 $513 Insurance Auto Colorado auto insurance resources:

Connecticut

Car insurance in Connecticut costs $238 less per year for full coverage than the rest of the country, on average. Connecticut ranks in the top five states with the highest population density. In addition, Connecticut drivers spend an average of over 14 hours per year in urbanized area traffic congestion. While the state has a low crime rate, Connecticut has the overall highest costs of living in the country, which contributes to high insurance rates.

Connecticut auto insurance rates by city

Connecticut city Average annual premium for full coverage Average annual premium for minimum coverage Bridgeport, Connecticut $2,080 $890 Hartford, Connecticut $2,122 $926 New Haven, Connecticut $2,029 $911 Norwalk, Connecticut $1,483 $626 $1,559 $649 Insurance Auto Connecticut auto insurance resources:

Delaware

Delaware’s average annual full coverage car insurance rates are $192 more than the national average. Delaware drivers spend over 75 hours in urbanized traffic congestion per year – the second highest of any state. The cost of living in Delaware is also slightly higher than the national average cost of living. Delaware also has the sixth-highest population density of any state. Together, these characteristics contribute to the higher cost of insurance.

Delaware auto insurance rates by city

Delaware city Average annual premium for full coverage Average annual premium for minimum coverage Dover, Delaware $1,765 $673 Wilmington, Delaware $2,282 $886 Middletown, Delaware $1,887 $716 Milford, Delaware $1,701 $629 Newark, Delaware $2,092 $825 Insurance Auto Delaware auto insurance resources:

Florida

Florida has one of the highest average annual full coverage car insurance rates in the country, clocking in at $991 higher than the national average. High premiums could be due to diverse factors in this region. For instance, Florida ranks eighth in highest population density, which can contribute to crowded roads and accidents. The state also ranks third for the .

Florida car insurance rates by city

Florida city Average annual premium for minimum coverage in Florida Average annual premium for full coverage in Florida Gainesville, Florida $1,955 $686 Ocala, Florida $2,195 $779 $2,212 $810 $2,208 $763 Pensacola, Florida $2,302 $789 $2,503 $886 Lakeland, Florida $2,520 $899 $2,698 $1,036 $3,224 $1,193 $3,459 $1,292 $3,563 $1,281 $3,713 $1,340 Hialeah, Florida $3,777 $1,393 Insurance Auto Florida auto insurance resources:

Georgia

Georgia full coverage car insurance costs about $214 more than the national average per year. High car insurance rates in Georgia could be due in part to the poor condition of infrastructure in the state. Georgians also spend nearly 15 hours in urbanized area traffic per year. Georgia has the fourth most fatal car accidents of any state, according to World Population Review.

Georgia auto insurance rates by city

Georgia city Average annual premium for full coverage Average annual premium for minimum coverage $1,824 $548 $2,215 $752 $2,024 $650 $1,981 $670 Suwanee, Georgia $2,061 $727 Insurance Auto Georgia auto insurance resources:

Hawaii

Despite Hawaii having the highest cost of living of any state, car insurance in the state is relatively cheap. Full coverage car insurance in the Aloha State costs $565 less than the national average per year, at $1,206. Honolulu, Hawaii is also known for its efficient public transit system, which allows residents to travel without using their cars. Hawaii also has fewer than most other states, according to the Federal Highway Administration, which could contribute to lower car insurance rates.

Hawaii auto insurance rates by city

Hawaii city Average annual premium for full coverage Average annual premium for minimum coverage Honolulu, Hawaii $1,209 $348 Lahaina, Hawaii $1,175 $324 Kapaa, Hawaii $1,053 $248 Hilo, Hawaii $1,283 $339 Princeville, Hawaii $1,053 $248 Insurance Auto Hawaii auto insurance resources:

Idaho

Idaho’s average annual full coverage car insurance rates are some of the cheapest in the country, coming in $706 cheaper than the national average. Car insurance rates in Idaho 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 contribute to low car insurance rates.

Idaho auto insurance rates by city

Idaho city Average annual premium for full coverage Average annual premium for minimum coverage Boise, Idaho $977 $286 Meridian, Idaho $978 $290 Nampa, Idaho $1,058 $306 Idaho Falls, Idaho $1,104 $283 Caldwell, Idaho $1,077 $303 Insurance Auto Idaho auto insurance resources:

Illinois

Illinois drivers pay $223 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 crime rate. Illinois residents may save on their car insurance due to the state ranking tenth in .

Illinois auto insurance rates by city

Illinois city Average annual premium for full coverage Average annual premium for minimum coverage $2,069 $627 Peoria, Illinois $1,338 $417 Elgin, Illinois $1,381 $456 Rockford, Illinois $1,361 $423 Springfield, Illinois $1,341 $411 Insurance Auto Illinois auto insurance resources:

Indiana

Indiana drivers pay an average of $529 less per year than the national average for full coverage car insurance. Indiana residents may pay less for their car insurance due to the state’s low cost of living. Indiana ranks above average in urban highway fatality rate and urban pavement condition, according to a .

Indiana auto insurance rates by city

Indiana city Average annual premium for full coverage Average annual premium for minimum coverage Evansville, Indiana $1,267 $372 $1,172 $331 Chalmers, Indiana $1,231 $305 Indianapolis, Indiana $1,285 $355 Kokomo, Indiana $1,177 $330 South Bend, Indiana $1,184 $321 Insurance Auto Indiana auto insurance resources:

Iowa

In Iowa, drivers spend an average of $517 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 low insurance costs. In addition, Iowa drivers spend less time in traffic on their commute than drivers in more than half of the U.S., which may help reduce insurance costs.

Iowa auto insurance rates by city

Iowa city Average annual premium for full coverage Average annual premium for minimum coverage Cedar Rapids, Iowa $1,162 $250 Davenport, Iowa $1,261 $290 $1,268 $288 Iowa City, Iowa $1,115 $222 Sioux City, Iowa $1,392 $284 Insurance Auto Iowa auto insurance resources:

Kansas

Kansas drivers pay only $31 more per year than the national annual average for full coverage car insurance. The state ranks in the middle of the pack for 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 auto insurance rates by city

Kansas city Average annual premium for full coverage Average annual premium for minimum coverage Kansas City, Kansas $1,162 $250 Olathe, Kansas $1,261 $290 Overland Park, Kansas $1,392 $284 Topeka, Kansas $1,115 $222 Wichita, Kansas $1,137 $262 Insurance Auto Kansas auto insurance resources:

Kentucky

Kentucky drivers typically spend $183 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 exceptionally high fatality rates on state roadways in addition to a high crime rate.

Kentucky auto insurance rates by city

Kentucky city Average annual premium for full coverage Average annual premium for minimum coverage Bowling Green, Kentucky $1,606 $520 $1,636 $594 Louisville, Kentucky $2,254 $859 Owensboro, Kentucky $1,515 $471 Somerset, Kentucky $2,012 $645 Insurance Auto Kentucky auto insurance resources:

Louisiana

Louisiana’s average annual full coverage car insurance rates are sky-high, coming in at $1,093higher than the national average. Car insurance in Louisiana may be expensive because of the state’s high crime rate, on state roadways, high number of hours spent in urbanized congestion per commuter and .

Louisiana auto insurance rates by city

Louisiana city Average annual premium for full coverage Average annual premium for minimum coverage $3,057 $905 Lafayette, Louisiana $2,734 $834 Metairie, Louisiana $3,188 $966 New Orleans, Louisiana $3,648 $1,062 Shreveport, Louisiana $2,437 $648 Insurance Auto Louisiana auto insurance resources:

Maine

Full coverage car insurance in Maine costs around $895 less per year than the national average. in the Pine Tree State may be due to the state’s low population density, low fatality rate on state roadways, low number of licensed drivers and low cost of living.

Maine auto insurance rates by city

Maine city Average annual premium for full coverage Average annual premium for minimum coverage Auburn, Maine $906 $262 Bangor, Maine $872 $243 Lewiston, Maine $905 $262 Portland, Maine $874 $255 South Portland, Maine $829 $241 Insurance Auto Maine auto insurance resources:

Maryland

In general, Maryland drivers pay $160 more per year than the national average for their full coverage car insurance. Maryland residents may pay more due to the high rate of traffic congestion in urbanized areas of the state. In addition, Maryland’s infrastructure is worse than 37 other states, according to a Reason Foundation study.

Maryland auto insurance rates by city

Maryland city Average annual premium for full coverage Average annual premium for minimum coverage Baltimore, Maryland $2,271 $1,049 Columbia, Maryland $1,768 $776 Germantown, Maryland $1,738 $752 Silver Spring, Maryland $1,958 $878 Waldorf, Maryland $1,945 $802 Insurance Auto Maryland auto insurance resources:

Massachusetts

Despite Massachusetts’ high cost of living, structurally deficient infrastructure and high roadway fatality rate, drivers in the Bay State typically pay $475 less per year than the national average for full coverage car insurance. One reason for low insurance costs could be that Massachusetts lays claim to the ninth-best public transit system in the country, which encourages citizens to use public transportation rather than their cars.

Massachusetts auto insurance rates by city

Massachusetts city Average annual premium for full coverage Average annual premium for minimum coverage Boston, Massachusetts $1,555 $507 Brockton, Massachusetts $2,019 $759 Cambridge, Massachusetts $1,304 $462 Springfield, Massachusetts $1,710 $675 Worcester, Massachusetts $1,594 $556 Insurance Auto Massachusetts auto insurance resources:

Michigan

If you’re looking for car insurance in the Great Lakes State, you may have to pay a steep price. Michiganders generally pay $574 more per year for their full coverage car insurance than other U.S. drivers on average. Car insurance rates in Michigan may be especially high due to Michigan’s high crime rate and high fatal crash rate. 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 auto insurance rates by city

Michigan city Average annual premium for full coverage Average annual premium for minimum coverage $1,884 $741 Detroit, Michigan $4,401 $1,801 Clinton, Michigan $1,862 $766 Dearborn, Michigan $3,505 $1,473 East Lansing, Michigan $1,861 $743 $2,701 $1,109 $1,878 $713 Hamtramck, Michigan $4,511 $1,880 $1,845 $721 Lansing, Michigan $1,939 $785 Livonia, Michigan $2,391 $965 $2,509 $1,048 Southfield, Michigan $3,313 $1,372 Sterling Heights, Michigan $2,641 $1,167 Taylor, Michigan $2,770 $1,184 Warren, Michigan $2,970 $1,296 Westland, Michigan $2,658 $1,116 Ypsilanti, Michigan $2,181 $896 Insurance Auto Michigan auto insurance resources:

Minnesota

In Minnesota, drivers typically spend around the same amount for full coverage car insurance as the national average. Since Minnesota ranks middle-of-the-road for cost of living, infrastructure quality, population density and number of licensed drivers, state car insurance rates remain average.

Minnesota auto insurance rates by city

Minnesota city Average annual premium for full coverage Average annual premium for minimum coverage Almelund, Minnesota $1,841 $662 Duluth, Minnesota $1,587 $497 $1,823 $725 Rochester, Minnesota $1,517 $500 Solway, Minnesota $1,776 $494 Insurance Auto Minnesota auto insurance resources:

Mississippi

Drivers in Mississippi typically pay around the same as the national average for full coverage car insurance, but areas with high congestion may experience more expensive rates. Mississippi has the highest rate of car accident deaths per 100,000 people, which likely contributes to the state’s higher than average rates. Mississippi’s dangerous weather patterns could also partially account for the spike.

Mississippi auto insurance rates by city

Mississippi city Average annual premium for full coverage Average annual premium for minimum coverage Biloxi, Mississippi $1,737 $525 Gulfport, Mississippi $1,754 $535 Hattiesburg, Mississippi $1,638 $454 $1,862 $522 Southaven, Mississippi $1,711 $504 Insurance Auto Mississippi auto insurance resources:

Missouri

Missouri’s average annual full coverage car insurance rates are around $90 above the national average. These average rates are no surprise, since the state ranks in the middle of the pack when it comes to fatal crashes, population density and number of licensed drivers.

Missouri auto insurance rates by city

Missouri city Average annual premium for full coverage Average annual premium for minimum coverage Columbia, Missouri $1,654 $444 Independence, Missouri $1,890 $545 Kansas City, Missouri $2,022 $560 Springfield, Missouri $1,722 $517 St. Louis, Missouri $2,205 $643 Insurance Auto Missouri auto insurance resources:

Montana

Montana residents typically pay about $24 more per year than the average American for their full coverage auto insurance. Montana ranks middle of the road in crime rate, infrastructure, cost of living and fatal car accident statistics. If you’re looking for car insurance in Montana, you’ll be required to carry at least 25/50/20 to comply with the state’s minimum liability requirements.

Montana auto insurance rates by city

Montana city Average annual premium for full coverage Average annual premium for minimum coverage Billings, Montana $1,742 $381 Bozeman, Montana $1,732 $298 Butte, Montana $1,731 $337 Great Falls, Montana $1,707 $368 Missoula, Montana $1,537 $322 Insurance Auto Montana auto insurance resources:

Nebraska

In line with Nebraska’s low cost of living and low population density, the state’s drivers pay $233 less per year compared to the national average for full coverage car insurance. When shopping for car insurance in Nebraska, keep in mind that the state requirements for liability are at least $25,000 bodily injury per person, $50,000 bodily injury per accident and $25,000 property damage per accident.

Nebraska auto insurance rates by city

Nebraska city Average annual premium for full coverage Average annual premium for minimum coverage Bellevue, Nebraska $1,526 $426 Grand Island, Nebraska $1,424 $303 Kearney, Nebraska $1,448 $287 Lincoln, Nebraska $1,363 $386 $1,598 $449 Insurance Auto Nebraska auto insurance resources:

Nevada

Nevadans pay nearly $655 more per year on average for their full coverage car insurance than the average American. These high rates could be due in part to Nevada’s high cost of living and high rural highway fatality rate.

Nevada auto insurance rates by city

Nevada city Average annual premium for full coverage Average annual premium for minimum coverage Henderson, Nevada $2,505 $896 Elko, Nevada $1,588 $461 Eureka, Nevada $1,583 $455 $2,883 $1,044 Reno, Nevada $1,836 $596 Insurance Auto Nevada auto insurance resources:

New Hampshire

New Hampshire drivers typically pay significantly less for their car insurance than the average American. Low insurance rates could be partially due to the state’s low crime rate and good rural and urban road conditions. Keep in mind that New Hampshire does not have minimum liability car insurance requirements.

New Hampshire auto insurance rates by city

New Hampshire city Average annual premium for full coverage Average annual premium for minimum coverage Concord, New Hampshire $1,101 $317 Dover, New Hampshire $1,139 $336 Manchester, New Hampshire $1,409 $415 Nashua, New Hampshire $1,223 $361 Rochester, New Hampshire $1,147 $336 Insurance Auto New Hampshire auto insurance resources:

New Jersey

Drivers in the Garden State sit in traffic congestion in urbanized areas for an average of 40 hours per year. This roadway congestion, paired with a high crime rate and the highest population density of any state make for higher than average .

New Jersey auto insurance rates by city

New Jersey city Average annual premium for full coverage Average annual premium for minimum coverage Elizabeth, New Jersey $2,579 $1,140 $2,371 $1,038 Lakewood, New Jersey $1,951 $938 $2,683 $1,161 Paterson, New Jersey $2,613 $1,160 Insurance Auto New Jersey auto insurance resources:

New Mexico

New Mexico drivers pay around $282 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 auto insurance rates by city

New Mexico city Average annual premium for full coverage Average annual premium for minimum coverage $1,621 $411 Farmington, New Mexico $1,315 $295 Santa Fe, New Mexico $1,453 $356 Rio Rancho, New Mexico $1,505 $392 Roswell, New Mexico $1,477 $311 Insurance Auto New Mexico auto insurance resources:

New York

With the highest average costs for minimum coverage car insurance and full 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 high insurance rates are largely due to the high number of made each year, in addition to its over , causing traffic to be dense with a higher likelihood of collision.

New York auto insurance rates by city

New York city Average annual premium for full coverage Average annual premium for minimum coverage Albany, New York $1,549 $661 Buffalo, New York $2,083 $954 $1,585 $678 $1,456 $633 $2,900 $1,230 Insurance Auto New York auto insurance resources:

North Carolina

North Carolinians typically pay $379 less per year for their full coverage car insurance than the national average. North Carolina’s high ranking in urban road condition, mild weather and fairly low cost of living could contribute to these lower-than-average rates.

North Carolina auto insurance rates by city

North Carolina city Average annual premium for full coverage Average annual premium for minimum coverage Cary, North Carolina $1,227 $409 $1,392 $449 $1,369 $437 Fayetteville, North Carolina $1,591 $521 High Point, North Carolina $1,414 $455 Raleigh, North Carolina $1,359 $458 Wilmington, North Carolina $1,345 $468 Insurance Auto North Carolina auto insurance resources:

North Dakota

North Dakota typically drivers pay $546 less for their full coverage car insurance per year than the average American driver. North Dakota ranked first in overall highway performance and cost-effectiveness in the Reason Foundation’s highway study. The state also has one of the lowest instances of fatal crashes, population densities and number of licensed drivers in the United States.

North Dakota auto insurance rates by city

North Dakota city Average annual premium for full coverage Average annual premium for minimum coverage Bismarck, North Dakota $1,188 $287 Fargo, North Dakota $1,047 $298 Grand Forks, North Dakota $1,091 $295 South Heart, North Dakota $1,282 $268 West Fargo, North Dakota $1,046 $299 Insurance Auto North Dakota auto insurance resources:

Ohio

Despite having a and increasing likelihood of motor vehicle , Ohio is actually one of the cheapest states for full coverage car insurance on average, with drivers paying about $1,034 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, which can lead to more road risk.

Ohio auto insurance rates by city

Ohio city Average annual premium for full coverage Average annual premium for minimum coverage Akron, Ohio $1,262 $377 Dayton, Ohio $1,205 $338 Cincinnati, Ohio $1,266 $376 $1,512 $416 $1,331 $392 Lima, Ohio $1,076 $300 $1,358 $402 Insurance Auto Ohio auto insurance resources:

Oklahoma

Despite Oklahoma having the second-lowest cost of living in the United States, Oklahoma drivers typically pay nearly $131 more per year for full coverage car insurance than the national average. Car insurance may be more expensive in the Sooner State due to the high crime rate, dangerous weather and high number of structurally-deficient bridges.

Oklahoma auto insurance rates by city

Oklahoma city Average annual premium for full coverage Average annual premium for minimum coverage Broken Arrow, Oklahoma $1,973 $468 Lahoma, Oklahoma $1,737 $321 Norman, Oklahoma $1,885 $425 Oklahoma City, Oklahoma $2,059 $478 $2,069 $484 Insurance Auto Oklahoma auto insurance resources:

Oregon

Despite Oregon’s high cost of living, drivers in the state pay an average of $400 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 .

Oregon auto insurance rates by city

Oregon city Average annual premium for full coverage Average annual premium for minimum coverage $1,440 $713 $1,231 $509 Portland, Oregon $1,509 $738 $1,194 $544 Hermiston, Oregon $1,210 $481 Salem, Oregon $1,376 $668 Insurance Auto Oregon auto insurance resources:

Pennsylvania

Pennsylvania has a high rate of traffic fatalities, poor infrastructure and high population density, resulting in car insurance that may be more expensive than other states. Residents pay almost $231 more per year on average for full coverage car insurance than the national average.

Pennsylvania auto insurance rates by city

Pennsylvania city Average annual premium for full coverage Average annual premium for minimum coverage Allentown, Pennsylvania $1,756 $400 Erie, Pennsylvania $1,800 $421 $3,300 $752 $1,840 $398 Reading, Pennsylvania $1,776 $383 Insurance Auto Pennsylvania auto insurance resources:

Rhode Island

Rhode Island residents pay around $76 more per year on average for full coverage car insurance than the rest of the country. The state ranks lower than 45 other states in highway performance and effectiveness. In addition, Rhode Island has a high cost of living, which may contribute to the high cost of auto insurance due to increased costs for car repair.

Rhode Island auto insurance rates by city

Rhode Island city Average annual premium for full coverage Average annual premium for minimum coverage Cranston, Rhode Island $2,191 $681 East Providence, Rhode Island $1,979 $609 Pawtucket, Rhode Island $2,015 $644 Providence, Rhode Island $2,382 $750 Warwick, Rhode Island $1,850 $591 Insurance Auto Rhode Island auto insurance resources:

South Carolina

Compared to other U.S. drivers. South Carolina’s highly-ranked highways, low cost of living, low population density and mild weather may contribute to affordable average car insurance rates in the Palmetto State.

South Carolina auto insurance rates by city

South Carolina city Average annual premium for full coverage Average annual premium for minimum coverage Columbia, South Carolina $1,472 $546 Darlington, South Carolina $1,556 $547 Gaffney, South Carolina $1,436 $486 Greenville, South Carolina $1,368 $510 Lancaster, South Carolina $1,546 $535 Insurance Auto South Carolina auto insurance resources:

South Dakota

Drivers in the Mount Rushmore State spend around an estimated $229 less than the national average for full coverage car insurance. In South Dakota, drivers are required to carry at least the minimum limits for bodily injury and property damage, as well as uninsured motorist bodily injury and property damage.

South Dakota auto insurance rates by city

South Dakota city Average annual premium for full coverage Average annual premium for minimum coverage Aberdeen, South Dakota $1,396 $257 Brookings, South Dakota $1,339 $262 Rapid City, South Dakota $1,698 $308 Sioux Falls, South Dakota $1,391 $346 Watertown, South Dakota $1,355 $265 Insurance Auto South Dakota auto insurance resources:

Tennessee

Tennessee drivers typically pay around $388 less per year for full coverage auto insurance than the average American. The Volunteer State ranks 10th in best highway performance and has the 10th-lowest cost of living, both factors which may contribute to the state’s relatively low cost of auto insurance.

Tennessee auto insurance rates by city

Tennessee city Average annual premium for full coverage Average annual premium for minimum coverage $1,311 $367 Clarksville, Tennessee $1,308 $362 Knoxville, Tennessee $1,341 $374 $1,727 $505 Murfreesboro, Tennessee $1,287 $357 Nashville, Tennessee $1,364 $393 Insurance Auto Tennessee auto insurance resources:

Texas

Texas drivers generally pay around $97 more for full coverage car insurance per year than the national average. While the state claims average rankings in cost of living, crime rate and highway performance, Texas ranks first for most fatal car accidents, which could contribute to higher average car insurance premiums.

Texas auto insurance rates by city

Texas city Average annual premium for full coverage Average annual premium for minimum coverage $1,653 $437 Allen, Texas $1,748 $559 $1,758 $533 Beaumont, Texas $1,904 $590 $1,563 $466 $1,779 $581 $2,038 $619 Denton, Texas $1,698 $531 Amarillo, Texas $1,901 $466 $1,852 $551 $1,829 $491 Frisco, Texas $1,739 $558 Garland, Texas $2,056 $637 Grand Prairie, Texas $1,950 $590 Odessa, Texas $1,762 $463 $2,106 $652 Irving, Texas $2,006 $602 Killeen, Texas $1,633 $461 Laredo, Texas $2,022 $529 Lubbock, Texas $1,759 $483 McAllen, Texas $2,051 $630 McKinney, Texas $1,758 $557 Mercedes, Texas $1,992 $598 Mesquite, Texas $2,060 $626 Midland, Texas $1,674 $433 Plano, Texas $1,775 $571 Round Rock, Texas $1,690 $514 $1,570 $403 $1,857 $573 Texarkana, Texas $1,747 $482 Tyler, Texas $1,763 $537 Waco, Texas $1,682 $464 Wichita Falls, Texas $1,601 $419 Insurance Auto Texas auto insurance resources:

Utah

Drivers in the Beehive State pay an average of $322 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 auto insurance rates by city

Utah city Average annual premium for full coverage Average annual premium for minimum coverage Aurora, Utah $1,334 $437 Orem, Utah $1,492 $586 Provo, Utah $1,467 $574 Salt Lake City, Utah $1,561 $602 White Rocks, Utah $1,400 $436 Insurance Auto Utah auto insurance resources:

Vermont

Vermont drivers pay an average of $771 less per year for full coverage auto insurance than the national average. 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 auto insurance rates by city

Vermont city Average annual premium for full coverage Average annual premium for minimum coverage Burlington, Vermont $942 $269 Colchester, Vermont $981 $257 Concord, Vermont $1,024 $232 Greensboro, Vermont $1,012 $230 South Burlington, Vermont $928 $267 Insurance Auto Vermont auto insurance resources:

Virginia

Virginia residents spend an average of $431 less per year on full coverage car insurance than other drivers in the U.S. Virginia has one of the lowest crime rates in the country, and the Old Dominion state ranks in the middle of the pack in terms of cost of living, highway performance and population density. Keep in mind that the commonwealth does not have minimum liability insurance requirements for its citizens. Still, it’s a good idea to purchase auto insurance to protect your finances in the event of an accident.

Virginia auto insurance rates by city

Virginia city Average annual premium for full coverage Average annual premium for minimum coverage Alexandria, Virginia $1,462 $561 Arlington, Virginia $1,379 $529 Chesapeake, Virginia $1,372 $536 $1,368 $517 Roanoke, Virginia $1,200 $407 Insurance Auto Virginia auto insurance resources:

Washington

Despite the state’s high cost of living, Washington residents spend almost $458 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 auto insurance rates by city

Washington city Average annual premium for full coverage Average annual premium for minimum coverage Bellevue, Washington $1,347 $516 Everett, Washington $1,355 $531 Kent, Washington $1,491 $588 Seattle, Washington $1,511 $583 Tacoma, Washington $1,522 $595 Insurance Auto Washington auto insurance resources:

Washington D C

The average annual cost of full coverage car insurance in Washington, D.C. is $177 more expensive than the national average for several reasons. The nation’s capital has a population density around ten times higher than any state, which contributes to congestion and potential car accidents. In addition, the District has the second-highest cost of living in the United States, which can drive up the average cost of car insurance premiums due to higher costs for car repair.

Washington D C auto insurance rates

Average annual premium for full coverage Average annual premium for minimum coverage Washington, D.C. $1,948 $613 Insurance Auto Washington D C auto insurance resources:

West Virginia

West Virginia residents typically spend $244 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 auto insurance rates by city

West Virginia city Average annual premium for full coverage Average annual premium for minimum coverage Charleston, West Virginia $1,504 $465 Huntington, West Virginia $1,533 $490 Morgantown, West Virginia $1,397 $401 Parkersburg, West Virginia $1,494 $438 Wheeling, West Virginia $1,379 $415 Insurance Auto West Virginia auto insurance resources:

Wisconsin

Wisconsin drivers pay $522 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, at just six people per square mile. 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 auto insurance rates by city

Wisconsin city Average annual premium for full coverage Average annual premium for minimum coverage Albany, Wisconsin $1,244 $329 Green Bay, Wisconsin $1,028 $322 Kenosha, Wisconsin $1,239 $437 Madison, Wisconsin $1,107 $340 $1,611 $535 Insurance Auto Wisconsin auto insurance resources:

Wyoming

In general, Wyoming drivers pay $261 less per year than the national average for full coverage car insurance. Wyoming has a low crime rate, little traffic congestion, a low cost of living and a low population density – all factors which may contribute to lower average car insurance premiums in the state.

Wyoming auto insurance rates by city

Wyoming city Average annual premium for full coverage Average annual premium for minimum coverage Casper, Wyoming $1,450 $295 Cheyenne, Wyoming $1,592 $291 Gillette, Wyoming $1,574 $267 Laramie, Wyoming $1,498 $253 Rock Springs, Wyoming $1,447 $260 Insurance Auto Wyoming auto insurance resources:

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 , 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 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 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

What other factors are considered in my car insurance rate

used by companies may include personal information, like your age, driving record and location, as well as vehicle information, like the make and model of your car. While these affect your base rate, it can help if you qualify for as well. 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.

What is a tort state

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 they caused and the not-at-fault driver does not have to file a claim with their insurer. Some no-fault states, like Kentucky, also have tort options that limit or allow parties to file lawsuits for their medical expenses.

Is car insurance required in my state

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 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.

Will my state see a car insurance rate increase in 2022

Many states have conditions that could factor into higher car insurance premiums, making drivers in these areas riskier to insure. For instance, some areas have more weather-related insurance claims, vehicle thefts or collisions, contributing to higher car insurance premiums. With more drivers on the road in 2022 than in 2020, the number of claims returning to pre-pandemic levels and repair and labor costs have also increased. It’s likely that rates will continue to see a rise for the next year or so due to these factors.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all 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 coverages that meet each state’s requirements. Our sample drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your may be different. SHARE: June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies. Mariah Posey is an auto and homeowners insurance writer and editor for Bankrate.com. She aims to make the insurance journey as convenient as possible by keeping the reader at the forefront of her mind in her work.