---
title: "Average Car Insurance Rates By State"
canonical: "https://www.simplyinsurance.com/car-insurance-rates-by-state/"
description: "Drivers across the U.S. are starting to realize how expensive it can become when you don't compare car insurance rates."
silo: "auto"
published: "2026-05-21"
updated: "2026-05-21"
author: "sa-el"
source: "Simply Insurance"
---
Drivers across the U.S. are starting to realize how expensive it can become when you don’t [compare car insurance rates](https://www.simplyinsurance.com/compare-car-insurance-quotes-online/).

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 state **,** the **highest car insurance rates by state** and the **lowest lowest car insurance rates by state** in the US.

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

The national average car insurance rate runs about $134 per month, or roughly $1,600 a year, though your state matters a lot.

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

### 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 Reviews](https://www.simplyinsurance.com/car-insurance-reviews/) 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.