Average Car Insurance Rates By State

by Sa El

June 7, 2024

Drivers across the U.S. are starting to realize how expensive it can become when you don’t compare car insurance rates

And get this, the national average car insurance rates are around $1,600 per year.  At that price, it’s essential to make sure that you use all of your car insurance benefits. 

In this post, we will cover the average car insurance rates by statethe highest car insurance rates by state and the lowest lowest car insurance rates by state in the US. 

car insurance rates by state

What’s The U.S. National Average Car Insurance Rate?

The national average car insurance rate is around $134 per month, or approximately $1,600 annually. With having the highest car insurance rates int he nation, residents of Michigan and Louisiana may view this national average as a bargain On the other hand, if you call Kentucky or Ohio home, you’re likely enjoying some of the lowest car insurance premiums in the country.

5 Highest Car Insurance Rates By State In America (Monthly)

STATE

AVERAGE MONTHLY PREMIUM

Michigan

$211

Louisiana

$192

Florida

$193

Rhode Island

$156

California

$152

5 Lowest Car Insurance Rates By State In The U.S. (Monthly)

STATE

AVERAGE MONTHLY PREMIUM

Kentucky

$75

Ohio

$77

New Hampshire

$80

North Carolina

$84

Virginia

$86

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Avg Car Insurance Rates By State (Monthly)

STATE

MONTHLY PREMIUM

STATE

MONTHLY PREMIUM

Alabama

$108

Montana

$129

Alaska

$116

Nebraska

$127

Arizona

$118

Nevada

$145

Arkansas

$142

New Hampshire

$80

California

$152

New Jersey

$125

Colorado

$142

New Mexico

$106

Connecticut

$129

New York

$141

Delaware

$135

North Carolina

$84

District Of Columbia

$119

North Dakota

$110

Florida

$193

Ohio

$77

Georgia

$128

Oklahoma

$129

Hawaii

$90

Oregon

$111

Idaho

$105

Pennsylvania

$112

Illinois

$107

Rhode Island

$156

Indiana

$99

South Carolina

$122

Iowa

$96

South Dakota

$120

Kansas

$133

Tennessee

$105

Kentucky

$75

Texas

$125

Louisiana

$192

Utah

$110

Maine

$92

Vermont

$88

Maryland

$120

Virginia

$86

Massachusetts

$109

Washington

$101

Michigan

$211

West Virginia

$119

Minnesota

$117

Wisconsin

$90

Mississippi

$125

Wyoming

$122

Missouri

$141

These rankings show how big of a difference car insurance rates across the country can be. Factors such as state-specific insurance laws, accident rates, and other regional variables definitely play a part.

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About the author 

Sa El