Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Aug 29, 2021

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Moving residences or ever wonder why friends pay lower car insurance rates? Where you live is one of the main components for calculating car insurance rates.

The auto insurance comparison by state depends on a few different things.

While its true your personal driving history and the type of vehicle insured are the largest influences when it comes to car insurance premiums the state where the vehicle is registered can account for up to 20 percent of the cost.

Compare rates today with our free quote tool today to make sure you are getting the best rate!

Why do car insurance rates vary by state?

Most drivers think the bigger states are the most expensive but is California car insurance really more expensive than Oklahoma Car Insurance? The comparison of car insurance in various states/cities is determined by several aspects.

Every year reports are published about the average cost for car insurance and sometimes the results are surprising.

Let’s review the National Association of Insurance Commissioners (NAIC) average cost of car insurance by coverage type.

Average Monthly Car Insurance Rates by Coverage Type and State
StatesAverage Monthly Liability RatesAverage Monthly Collision RatesAverage Monthly Comprehensive RatesAverage Monthly Full Coverage Rates
Alabama$37$28$14$79
Alaska$47$31$12$90
Arizona$48$25$16$89
Arkansas$36$29$17$82
California$45$36$8$88
Colorado$49$25$17$91
Connecticut$59$32$11$102
Delaware$69$28$11$107
District of Columbia$58$41$19$118
Florida$76$26$11$113
Georgia$55$30$14$98
Hawaii$39$27$9$75
Idaho$32$20$10$62
Illinois$40$27$11$77
Indiana$34$22$11$67
Iowa$27$19$16$62
Kansas$32$23$21$76
Kentucky$47$24$12$83
Louisiana$73$37$19$128
Maine$30$23$9$62
Maryland$55$31$13$100
Massachusetts$52$34$12$98
Michigan$72$37$13$121
Minnesota$39$20$16$76
Mississippi$41$29$18$88
Missouri$38$24$16$79
Montana$34$23$21$77
Nebraska$33$21$20$74
Nevada$64$27$10$100
New Hampshire$35$26$9$70
New Jersey$76$33$11$119
New Mexico$44$24$15$84
New York$71$34$15$120
North Carolina$31$26$11$67
North Dakota$25$22$20$67
Ohio$35$24$10$69
Oklahoma$40$27$20$88
Oregon$53$20$8$81
Pennsylvania$43$29$13$85
Rhode Island$68$36$11$116
South Carolina$50$24$16$89
South Dakota$26$19$24$69
Tennessee$37$27$13$77
Texas$49$33$19$101
Utah$45$23$10$78
Vermont$30$26$11$68
Virginia$38$25$12$74
Washington$53$24$9$86
West Virginia$43$28$18$88
Wisconsin$33$20$12$65
Wyoming$29$24$23$75
Countrywide$48$29$13$90
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Louisiana is the most expensive state for car insurance, and Idaho has the most affordable car insurance rates.

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How to Find the Cheapest Car Insurance

We love statistics as much as any math geek but realistically state average car insurance rates are generally used for greater purposes than identifying how much an individual consumer will pay.

Car insurance companies have risk assessment down to a ZIP code. Seriously, the state is one factor but your location in the state is just as important.

In California, for example, drivers in Los Angeles or San Diego and other heavily populated areas will almost always pay more than drivers in Santa Barbara or Ojai. With population increases risk.

Other factors which play into the logic behind calculating risk at a zip code level also include the rate of auto theft in the area.

How do I get car insurance quotes for my unique profile?

That’s the easy part. Car insurance comparison by state will certainly provide you with a window of education why friends and family members may have lower auto insurance rates but the only way to get quotes specific to your unique profile is to compare car insurance companies.

We can help you start car insurance quote comparison today. Click here to get FREE car insurance quotes now!