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Car insurance rates by state for 2022

Fact-checked with HomeInsurance.com

    Article Highlights

    The average cost of full coverage car insurance in the U.S. is $1,771 per year, and the average cost of minimum coverage is $545 per year, according to 2022 data from Bankrate.com. But many factors impact your car insurance rate; one of the most important factors is the state you live in. You might pay more or less than the national average, depending on your state and your location within your state. 

    If you’re shopping for auto insurance, knowing the average cost in your state can be a good way to determine how much you may expect to spend.

    Average car insurance rates by state

    StateAverage annual full coverage premiumAverage annual minimum coverage premium
    Alabama$1,760$443
    Alaska$1,770$417
    Arizona$1,743$579
    Arkansas$1,806$437
    California$2,190$619
    Colorado$2,019$495
    Connecticut$1,533$646
    Delaware$1,963$747
    Florida$2,762$997
    Georgia$1,985$630
    Hawaii$1,206$338
    Idaho$1,065$271
    Illinois$1,548$477
    Indiana$1,242$329
    Iowa$1,254$227
    Kansas$1,802$419
    Kentucky$1,954$658
    Louisiana$2,864$807
    Maine$876$227
    Maryland$1,931$836
    Massachusetts$1,296$446
    Michigan$2,345$946
    Minnesota$1,692$600
    Mississippi$1,701$450
    Missouri$1,861$504
    Montana$1,795$310
    Nebraska$1,538$367
    Nevada$2,426$846
    New Hampshire$1,182$324
    New Jersey$1,891$855
    New Mexico$1,489$347
    New York$2,996$1,339
    North Carolina$1,392$431
    North Dakota$1,225$268
    Ohio$1,200$336
    Oklahoma$1,902$408
    Oregon$1,371$625
    Pennsylvania$2,002$441
    Rhode Island$1,847$569
    South Carolina$1,464$518
    South Dakota$1,542$274
    Tennessee$1,383$372
    Texas$1,868$551
    Utah$1,449$544
    Vermont$1,000$242
    Virginia$1,340$475
    Washington$1,313$482
    Washington, D.C.$1,948$613
    West Virginia$1,527$427
    Wisconsin$1,249$364
    Wyoming$1,510$262

    Rate data from Bankrate.com. Data accurate as of May 2022.

    Where you live impacts auto insurance rates

    If you’ve ever purchased car insurance in more than one state, you may have experienced how significantly the rates can vary. And it’s not just the state that impacts the cost of car insurance. Your specific ZIP code can also increase or decrease the amount of money you spend on coverage.

    Why do car insurance rates fluctuate so much? Ultimately, it’s because drivers face certain risks based on where they live. For example, more densely populated areas have more cars on the road, which means a higher likelihood of accidents, which can lead to higher premiums. And the more expensive it is to live in an area, the higher your premiums will likely be, too, since claims will cost more to settle. Essentially, the riskier the location, the more car insurance companies usually charge for insurance. Risks can include everything from the number of uninsured drivers in a state, to the crime rate in a certain neighborhood.

    The cheapest states for car insurance

    Wondering if you live in a state with cheap car insurance? Check to see if you live in the top 5 cheapest states for full coverage insurance:

    1. Maine
    2. Vermont
    3. Idaho
    4. New Hampshire
    5. Ohio

    In the U.S., the average cost within these 5 least expensive states is lower than the national average. This means that car insurance in the 5 cheapest states is significantly more affordable, especially for people with a good driving history.

    There are a few reasons why these states offer the least expensive car insurance. A few states — Maine and New Hampshire — have very few uninsured drivers, according to the Insurance Information Institute (Triple-I). Additionally, many of these states are located in regions that are not prone to severe weather which can easily damage a vehicle. Many of these areas are also relatively rural, which could mean fewer cards on the road and a lower risk of colliding.

    Top 5 cheapest states for full coverage car insurance

    StateAverage annual premiumAverage monthly premium
    Maine$876$73
    Vermont$998$83
    Idaho$1,049$87
    New Hampshire$1,055$88
    Ohio$1,122$94

    Rate data from Bankrate.com. Data accurate as of May 2022.

    Top 5 cheapest states for state minimum coverage

    If you’re shopping for minimum coverage, you’ll likely already pay less than if you buy full coverage. State minimum requirements provide less protection than full coverage does. The average cost of minimum coverage in the U.S. in 2022 is $545 per year, but the rates will vary based on the state you live in. These are the cheapest states for minimum coverage:

    StateAverage annual premiumAverage monthly premium
    Iowa$227$19
    Maine$227$19
    Vermont$242$20
    Wyoming$262$22
    North Dakota$268$22

    Rate data from Bankrate.com. Data accurate as of May 2022.

    The most expensive states for car insurance

    Unfortunately, car insurance isn’t cheap in every state. In fact, auto coverage can be quite expensive depending on where you live. Here are the top 5 most expensive states for full coverage car insurance:

    1. New York
    2. Louisiana
    3. Florida
    4. Nevada
    5. Michigan

    Again, let’s compare the average price of full coverage car insurance in these states to the U.S. national average. The average American driver pays $1,771 for full coverage insurance, which means the rate among the top 5 most expensive states is about 51% higher than the national average— a significant increase.

    51%

    higher than the national average

    So what makes these states so expensive for car insurance? For one, many of these states are located in areas with extreme weather. Louisiana and Florida in particular get hit with severe hurricanes and flooding which can cause car damage. Additionally, Florida and Michigan fall within the top four states with the highest number of uninsured drivers.

    Top 5 most expensive states for auto insurance

    StateAverage annual premiumAverage monthly premium
    New York$2,996$250
    Louisiana$2,864$239
    Florida$2,762$230
    Nevada$2,426$202
    Michigan$2,345$195

    Rate data from Bankrate.com. Data accurate as of May 2022.

    Top 5 most expensive states for state minimum coverage

    Minimum coverage can be pricey, too, depending on where you live. In states where accidents are more likely, or the cost of living is high, even minimum coverage is well above the national average of $545 per year. 

    StateAverage annual premiumAverage monthly premium
    New York$1,339$112
    Florida$997$83
    Michigan$946$79
    New Jersey$855$71
    Nevada$846$71

    Rate data from Bankrate.com. Data accurate as of May 2022.

    Other factors considered in your car insurance rate

    Where you live isn’t the only factor determining your car insurance rate. One of the first things that an insurance company analyzes is the type of vehicle you own. For example, newer vehicles are often full of the latest safety features, which can help reduce the likelihood or severity of an accident, but cost more to repair or replace.

    Other aspects that insurance companies consider when pricing auto insurance policies may include:

    • Age
    • Gender
    • Marital status
    • Driving record
    • Credit score
    • Claims history
    • Payment history
    • Prior insurance

    Keep in mind that some states ban the use of a few rating factors. Insurance companies in Hawaii and Massachusetts, for example, can’t use your age to rate your policy. California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania ban the use of gender as a rating factor. Your state may also ban using your ZIP code, credit score or other non-driving-related factors. The best way to know how your state handles insurance rating is to contact the Department of Insurance or talk to your insurance company about your state’s laws.

    Car insurance when moving to a different state

    If you’re moving to a new state, you may want to put updating your car insurance on your checklist. Every state has different insurance laws, and once you’ve settled in, you’ll need to get a new policy in your new state. You can’t simply change the address on your old policy; you’ll have to purchase a new policy and cancel your prior one.

    If you have a minimum coverage policy and that’s all you want in your new state, you’ll need to purchase a new policy with your new state’s minimum limits. For example, if you move from California, where the minimum limits are 15/30/5, to Nevada, where the minimum limits are 25/20/20, you’ll need to buy a new Nevada policy with the minimum limits and cancel your California policy. Even if you have limits above your new state’s minimums, you’ll still need a new policy written in your new state. 

    How to change car insurance when moving out of state

    If you’re moving out of state, you have two options for car insurance. You can either call your insurance company and ask to get a new policy written in your new state or you can switch providers. Remember that even if you stay with your existing provider, you’ll need a new policy for your new state and your rate will probably change.

    Shopping around for a new provider can help you better understand what a competitive rate looks like for your scenario in your new state. If you decide to switch, here’s what to do:

    1. Collect the information you’ll need to switch providers, including your driver’s license number, insurance history, annual mileage and the names and personal information of other drivers who will be on your policy.
    2. Research providers in your new state, and pay attention to coverage options, discounts and customer service reviews.
    3. Get quotes from a few different companies to compare rates.
    4. Once you’ve chosen a company, a representative will walk you through the steps to purchase your policy.
    5. You’ll then need to contact your prior company to cancel your previous policy on the same date that your new policy starts. That way, you avoid any overlaps or lapses.
    6. Finally, make sure you remember to update your registration. You’ll likely need to get car insurance in your new state before registering your vehicle.

    The takeaway

    • Car insurance rates can vary significantly between states.
    • Factors like weather risks, uninsured drivers and minimum coverage amounts can all impact the cost of car insurance.
    • If you’re moving states, be prepared for your car insurance requirements (and your rate) to change.

    Car insurance is legally required in almost every state, so it’s usually an unavoidable cost. Some drivers are lucky enough to live in a state with cheap car insurance, while others have to pay thousands of dollars per year. Knowing the average cost of car insurance per state is helpful for a few reasons, but it’s especially important if you’re planning to move to a new area of the country. Keep in mind that car insurance laws vary, so you might have to purchase more coverage when you move. 

    Methodology

    Coverage.com utilizes average car insurance premium data from Bankrate.com, obtained from Quadrant Information Services. Bankrate weights the rates based on the population density of each geographic region within all 50 states and Washington, D.C. Quoted rates are based on the profile of 40-year-old male and female drivers with clean driving records and good credit. Each driver insures a 2020 Toyota Camry, commutes five days a week and drives 12,000 miles annually. Full coverage rates include the following coverage details:

    • $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

    Minimum coverage rates were determined by using the minimum required coverage types and limits for each state.

    These rates are samples and should be used for comparative purposes only. Your quotes will be different.

    Cate Deventer

    Insurance writer and editor

    Cate Deventer is an insurance expert who has held Property & Casualty and Life, Accident & Health insurance licenses for over 10 years. As an insurance agent, she quoted and issued multiple insurance policy types and assisted clients with claims. She has a passion for helping people understand their insurance needs, choose appropriate coverage levels and learn how insurance coverage can affect overall financial well-being. Cate also enjoys writing and editing and has since combined her passions for content and insurance. While earning a bachelor’s degree in English with a concentration in professional and technical writing from Indiana University, Cate also studied the insurance industry in all 50 states and Washington, D.C., assessed insurance providers and wrote about auto, property, flood, umbrella and life insurance products.

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