What state has the highest car insurance rates?

Connecticut has the most expensive average car insurance rates in the U.S., according to Insurify data. Its average monthly full-coverage rate is $368, and its average liability-only rate is $215.

Which state has the cheapest car insurance rates?

North Carolina has the cheapest car insurance rates, with average monthly rates of $99 for full coverage and $55 for liability only.

Does your car insurance cover you in all 50 states?

Yes, your auto insurance policy will cover you within the U.S. Your coverage may change slightly: For example, Michigan covers property damage from accidents inside the state differently from accidents outside the state. But your insurance likely won’t cover you outside the U.S., so check with your insurer if you’re driving to Canada or Mexico.

What is a tort state?

A tort or tort liability state is an at-fault state. That means the state doesn’t restrict lawsuits against at-fault drivers, so the driver who didn’t cause the incident can sue the at-fault driver for damages, medical expenses, and pain and suffering, according to Triple-I.

Is car insurance required in my state?

Most likely, yes. New Hampshire is the only state that doesn’t require car insurance, and drivers still have to prove financial responsibility. All other states and Washington, D.C., have minimum liability requirements.

What is a no-fault state?

In no-fault states, each insurance company compensates its own policyholder for minor injuries following an accident, no matter who caused it. Drivers can sue for severe injuries or death.

Car Insurance Rates by State (October 2024)

Rates by state
Most expensive states
Cheapest states
Coverage types
State minimums
When you move
Other rate factors
FAQs

Rates by state
Most expensive states
Cheapest states
Coverage types
State minimums
When you move
Other rate factors
FAQs

Your location affects your car insurance rates significantly, but costs have been increasing across the country. Full-coverage premiums rose by 24% in 2023 and have increased by 15% so far in 2024, according to Insurify’s latest report. Insurify’s data science team predicts a 22% total increase by the end of the year.

Insurers continue to record billions in underwriting losses, largely stemming from unprecedented climate catastrophes and the rising costs of repairs and new cars.

Insurify turned to its database of more than 90 million car insurance quotes to find out where coverage is the most and least expensive and which drivers face the largest auto insurance rate increases by state.

Quick Facts

Michigan has the highest minimum liability requirements, while Florida has the lowest, but both are among the 10 most expensive states for car insurance.
New Hampshire is the only state that doesn’t require car insurance, but drivers who lease or finance their cars will need to buy it anyway. If you don’t get coverage, you’ll have to prove financial responsibility to the state.
Your age, driving record, and credit history all affect your insurance rates. Insurers review multiple factors to calculate your unique risk profile and likelihood of filing a claim.

Car insurance rates by state

Car insurance companies consider local factors when setting rates, so the cost of coverage varies by state and by areas within each state. Insurify’s data scientists determined the average monthly cost of car insurance policies in every state except Alaska, which didn’t have sufficient data.

State ▲▼	Average Cost: Full Coverage ▲▼	Average Cost: Liability Only ▲▼
Alabama	$156	$60
Arizona	$186	$92
Arkansas	$280	$122
California	$296	$142
Colorado	$225	$94
Connecticut	$368	$215
Delaware	$246	$166
Florida	$257	$165
Georgia	$243	$148
Hawaii	$121	$67
Idaho	$135	$69
Illinois	$183	$79
Indiana	$148	$71
Iowa	$139	$58
Kansas	$196	$84
Kentucky	$309	$192
Louisiana	$265	$141
Maine	$161	$89
Maryland	$348	$195
Massachusetts	$238	$115
Michigan	$309	$173
Minnesota	$203	$102
Mississippi	$230	$85
Missouri	$226	$100
Montana	$182	$86
Nebraska	$210	$94
Nevada	$321	$199
New Hampshire	$135	$65
New Jersey	$230	$120
New Mexico	$185	$69
New York	$266	$207
North Carolina	$99	$55
North Dakota	$160	$89
Ohio	$145	$74
Oklahoma	$189	$88
Oregon	$173	$102
Pennsylvania	$174	$91
Rhode Island	$206	$169
South Carolina	$281	$168
South Dakota	$176	$68
Tennessee	$167	$74
Texas	$245	$119
Utah	$193	$108
Vermont	$152	$68
Virginia	$179	$97
Washington	$161	$76
Washington, D.C.	$165	$87
West Virginia	$160	$74
Wisconsin	$149	$62
Wyoming	$178	$70

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

States with the most expensive car insurance rates

An area’s vehicle crime and accident rates, population density, severe weather risk, and incidence of insurance fraud can drive up insurance costs. For example, Connecticut’s higher median income could contribute to its higher car insurance rates since residents may have more expensive cars to insure. Severe accidents can result in costly claims that increase insurance costs, and Nevada and Kentucky have high traffic fatality rates.^[1] ^[2]

These are the average monthly liability-only quotes in the 10 most expensive states for car insurance.

State ▲▼	Average Quote: Liability Only ▲▼
Connecticut	$215
Nevada	$199
Kentucky	$192
Maryland	$195
Florida	$165
Michigan	$173
Rhode Island	$169
South Carolina	$168
New York	$207
Delaware	$166

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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States with the cheapest car insurance rates

North Carolina and Iowa — the two states with the least expensive car insurance rates — have more rural populations as well as state regulations limiting auto coverage costs. North Carolina’s insurance commissioner can approve or deny rate increase requests from insurance companies, which helps keep rates lower. Iowa has lower liability requirements than many states, so without high accident or crime rates, insurers may charge Iowans less since they’re taking on less risk.^[1] ^[2]

These are the average monthly liability-only quotes in the 10 states with the cheapest car insurance costs.

State ▲▼	Average Quote: Liability Only ▲▼
North Carolina	$55
Iowa	$58
Alabama	$60
Wisconsin	$62
New Hampshire	$65
Hawaii	$67
South Dakota	$68
Idaho	$69
New Mexico	$69
Vermont	$68

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Types of required car insurance coverage

You can check with your state’s insurance department for local requirements or ask your insurer, but here are the basic components of a car insurance policy.

Bodily injury liability coverage

This coverage protects you or family members on your policy if you cause injuries to someone else. If someone sues you, your bodily injury liability insurance may cover the cost of your court defense or a settlement. It also goes toward the injured person’s medical costs. You can buy more coverage than your state minimum to have greater financial protection.

Property damage liability coverage

This coverage pays for damage you or someone who’s driving your car with permission causes to someone else’s property, including another vehicle or stationary objects like poles, fences, lampposts, and buildings.

Uninsured/underinsured motorist coverage

Not every state requires this coverage, but it’s an important protection. Uninsured/underinsured motorist coverage reimburses you if an uninsured or underinsured driver injures you or damages your vehicle. If the at-fault driver doesn’t have enough liability coverage to pay for the damage, this coverage will kick in to make up the difference. This also applies in a hit-and-run accident.

Personal injury protection coverage

Personal injury protection (PIP) pays for your and your passengers’ medical and non-medical expenses after an accident. It can cover medical bills, lost wages, replacing services the injured people usually perform, and funeral costs.

Important Information

All states with car insurance requirements mandate bodily injury and property damage coverage. States with no-fault insurance laws typically require PIP coverage, although it’s also an optional coverage in some at-fault states. Currently, 21 states — both at-fault and no-fault states — require drivers to have uninsured motorist coverage, and it’s an optional coverage in some other states.^[3]

Minimum car insurance requirements by state

Every state except New Hampshire requires a certain amount of liability insurance to register and drive a motor vehicle. But New Hampshire drivers must prove financial responsibility by either depositing money with the state treasurer or buying a specific amount of liability coverage.^[4]

Coverage requirements vary, but many states require around $25,000 per person for bodily injury liability, $50,000 per accident for bodily injury liability, and $25,000 per accident for property damage liability, with varying levels of personal injury protection or uninsured/underinsured motorist coverage.

Michigan has the highest liability requirements: $50,000 per person for bodily injury liability, $100,000 per accident for bodily injury liability, $10,000 per accident outside Michigan for property damage liability, and $1 million per accident inside Michigan for property damage liability, with varying levels of personal injury protection.

Florida has the lowest limits, at just $10,000 per accident for property damage liability and $10,000 for personal injury protection.

State ▲▼	Minimum Car Insurance Requirements* ▲▼
Alabama	$25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $25,000 per accident in property damage liability
Alaska	$50,000 per person for bodily injury liability $100,000 per accident for bodily injury liability $25,000 per accident for property damage liability
Arizona	$25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $15,000 per accident for property damage liability
Arkansas	$25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $25,000 per accident for property damage liability
California	$15,000 per person for bodily injury liability $30,000 per accident for bodily injury liability $5,000 per accident for property damage liability On Jan. 1, 2025, these limits will increase to: $30,000 per person for bodily injury liability $60,000 per accident for bodily injury liability $15,000 per accident for property damage liability
Colorado	$25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $15,000 per accident for property damage liability
Connecticut	$25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $25,000 per accident for property damage liability The same liability limits for uninsured/underinsured motorist coverage
Delaware	$25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $10,000 per accident for property damage liability $15,000 per person and $30,000 per accident for personal injury protection
Florida	$10,000 per accident for property damage liability coverage $10,000 for personal injury protection
Georgia	$25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $25,000 per accident for property damage liability
Hawaii	$20,000 per person for bodily injury liability $40,000 per accident for bodily injury liability $10,000 per accident for property damage liability $10,000 for personal injury protection
Idaho	$25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $15,000 per accident for property damage liability
Illinois	$25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $20,000 per accident for property damage liability $25,000 per person and $50,000 per accident for uninsured motorist coverage
Indiana	$25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $25,000 per accident for property damage liability
Iowa	$20,000 per person for bodily injury liability $40,000 per accident for bodily injury liability $15,000 per accident for property damage liability
Kansas	$25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $25,000 per accident for property damage liability $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage Personal injury protection, including $4,500 per person for medical expenses, $900/month for one year for disability, $25/day for in-home services, $2,000 for final expenses, and $4,500 for rehabilitation expenses Survivor benefits of $900/month for one year of lost income plus $25/day for in-home services
Kentucky	$25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $25,000 per accident for property damage liability
Louisiana	$15,000 per person for bodily injury liability $30,000 per accident for bodily injury liability $25,000 per accident for property damage liability
Maine	$50,000 per person for bodily injury liability $100,000 per accident for bodily injury liability $25,000 per accident for property damage liability $50,000 per person and $100,000 per accident for uninsured/underinsured motorist coverage $2,000 per person for medical payments coverage
Maryland	$30,000 per person for bodily injury liability $60,000 per accident for bodily injury liability $15,000 per accident for property damage liability $30,000 per person and $60,000 per accident for uninsured/underinsured motorist coverage $15,000 per incident for uninsured/underinsured property damage coverage
Massachusetts	$20,000 per person for bodily injury liability $40,000 per accident for bodily injury liability $5,000 per accident for property damage liability $20,000 per person and $40,000 per accident for uninsured/underinsured motorist coverage $8,000 for personal injury protection
Michigan	$50,000 per person for bodily injury liability $100,000 per accident for bodily injury liability $10,000 per accident for property damage liability for accidents outside Michigan $1 million per accident for property damage liability for accidents in Michigan Personal injury protection (varying limits)
Minnesota	$30,000 per person for bodily injury liability $60,000 per accident for bodily injury liability $10,000 per accident for property damage liability $25,000 per person and $50,000 per accident for uninsured/underinsured motorist coverage $40,000 for personal injury protection
Mississippi	$25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $25,000 per accident for property damage liability
Missouri	$25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $25,000 per accident for property damage liability $25,000 per person and $50,000 per accident for uninsured motorist coverage
Montana	$25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $20,000 per accident for property damage liability
Nebraska	$25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $25,000 per accident for property damage liability $25,000 per person and $50,000 per accident for uninsured/underinsured motorist coverage
Nevada	$25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $20,000 per accident for property damage liability
New Hampshire	Insurance isn’t required in New Hampshire if you can meet financial responsibility requirements. If you buy insurance, you need to purchase the following minimum coverages: $25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $25,000 per accident for property damage liability $1,000 for medical payments coverage $25,000 per person and $50,000 per accident for uninsured/underinsured motorist coverage
New Jersey	Minimums depend on whether you buy a Standard Policy or a Basic Policy. For a Standard Policy, minimums are: $25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $25,000 for property damage liability $15,000 personal injury protection Uninsured/underinsured motorist coverage that matches a policy’s liability coverages For a Basic Policy, minimums are: $10,000 optional coverage for bodily injury liability $5,000 property damage liability $15,000 PIP UM/UIM coverage not included
New Mexico	$25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $10,000 per accident for property damage liability
New York	$25,000 per person and $50,000 per accident for bodily injury liability $50,000 per person and $100,000 per accident for deaths $10,000 per accident for property damage liability coverage $25,000 per person and $50,000 per accident for uninsured/underinsured motorist coverage $50,000 for personal injury protection
North Carolina	$30,000 per person for bodily injury liability $60,000 per accident for bodily injury liability $25,000 per accident for property damage liability $30,000 per person and $60,000 per accident for uninsured motorist coverage $25,000 per accident for uninsured property damage coverage
North Dakota	$25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $25,000 per accident for property damage liability $25,000 per person and $50,000 per accident for uninsured/underinsured motorist coverage $30,000 for personal injury protection
Ohio	$25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $25,000 per accident for property damage liability
Oklahoma	$25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $25,000 per accident for property damage liability
Oregon	$25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $20,000 per accident for property damage liability $25,000 per person and $50,000 per accident for uninsured motorist coverage $15,000 for personal injury protection
Pennsylvania	$15,000 per person for bodily injury liability $30,000 per accident for bodily injury liability $5,000 per accident for property damage liability $5,000 in medical benefits
Rhode Island	$25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $25,000 per accident for property damage liability
South Carolina	$25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $25,000 per accident for property damage liability
South Dakota	$25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $25,000 per accident for property damage liability $25,000 per person and $50,000 per accident in uninsured motorist coverage
Tennessee	$25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $15,000 per accident for property damage liability
Texas	$30,000 per person for bodily injury liability $60,000 per accident for bodily injury liability $25,000 per accident for property damage liability
Utah	$25,000 per person for bodily injury liability $65,000 per accident for bodily injury liability $15,000 per accident for property damage liability $3,000 for personal injury protection
Vermont	$25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $10,000 per accident for property damage liability $50,000 per person and $100,000 per accident for uninsured/underinsured motorist coverage $10,000 per accident for uninsured/underinsured property damage coverage
Virginia	$30,000 per person for bodily injury liability $60,000 per accident for bodily injury liability $20,000 per accident for property damage liability $30,000 per person and $60,000 per accident for uninsured/underinsured motorist coverage $20,000 per accident for uninsured/underinsured property damage coverage
Washington	$25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $10,000 per accident for property damage liability
Washington, D.C.	$25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $10,000 per accident for property damage liability $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage $5,000 per accident in uninsured/underinsured property damage coverage
West Virginia	$25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $25,000 per accident for property damage liability $25,000 per person and $50,000 per accident for uninsured motorist coverage $25,000 per accident for uninsured motorist property damage coverage
Wisconsin	$25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $10,000 per accident for property damage liability $25,000 per person and $50,000 per accident in uninsured motorist coverage
Wyoming	$25,000 per person for bodily injury liability $50,000 per accident for bodily injury liability $20,000 per accident for property damage liability

*Insurify verified this information with each state’s department of insurance, motor vehicle department, department of finance, or state statutes website.

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Do you have to change your car insurance when you move states?

When you move, you’ll have to change your insurance to meet requirements in your new home state. But whether you have to change car insurance companies will depend on your current company.

If your current insurer provides coverage in your new state, you can stay with the same company. You’ll also have to determine whether your current coverage is sufficient since every state has its own minimum insurance requirements. In some cases, that might require increasing your bodily injury and property damage liability coverages.

Finally, you’ll have to learn if your new state has any additional requirements your former state didn’t have. Several states require uninsured or underinsured motorist coverage. And a handful of states have no-fault insurance laws, which require drivers to carry personal injury protection (PIP).

Your new state may have the same minimum requirements as your old one, in which case you won’t have to change your coverage. But you should still inform your insurance company about the move. Location is an important rating factor in your driver profile, so relocating could change your premium too.

Keep in Mind

Even if you had the cheapest insurance available in your previous state, it’s always a good idea to shop around when moving. The cheapest insurer in your previous state may not be the cheapest in your new state, so get quotes from at least three companies to compare rates.

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Other factors that affect your car insurance rates

Location — all the way down to your ZIP code in many states — affects your car insurance rates significantly. But it’s just one of many factors auto insurers consider, including:

Coverage types, amount, and discounts
Having full coverage or liability only, increasing your liability limits, and qualifying for auto insurance discounts will all change your premium.
Age
Your driving experience matters. Teens pay about 73% more than average for car insurance, while drivers in their 60s pay 27% less, according to Insurify data.
Driving record
Having a speeding ticket, at-fault accident, or DUI on your record will increase your rates, so maintaining a clean driving record could save you money.
Credit history
Insurers use your credit profile to generate a credit-based insurance score that helps them predict your likelihood of filing a claim. Drivers with excellent credit pay about 17% less than average, according to Insurify data.
Car make and model
Cars with high safety ratings are often cheaper to insure, while cars with high-tech or outdated parts may be more expensive.
How much you drive your car
If you commute regularly or long distances, you’ll likely pay more than someone who drives only occasionally, which some companies call “pleasure use,” according to Triple-I.
Gender
Generally, men pay more than women for car insurance. Data shows that men are more likely to engage in reckless driving behaviors like speeding.^[5] Some states restrict insurers from considering gender when setting rates.

Car insurance rates by state FAQs

For more information about how your state affects your car insurance rates, here are answers to some of the most frequently asked questions.

What state has the highest car insurance rates?
Connecticut has the most expensive average car insurance rates in the U.S., according to Insurify data. Its average monthly full-coverage rate is $368, and its average liability-only rate is $215.
Which state has the cheapest car insurance rates?
North Carolina has the cheapest car insurance rates, with average monthly rates of $99 for full coverage and $55 for liability only.
Does your car insurance cover you in all 50 states?
Yes, your auto insurance policy will cover you within the U.S. Your coverage may change slightly: For example, Michigan covers property damage from accidents inside the state differently from accidents outside the state. But your insurance likely won’t cover you outside the U.S., so check with your insurer if you’re driving to Canada or Mexico.
What is a tort state?
A tort or tort liability state is an at-fault state. That means the state doesn’t restrict lawsuits against at-fault drivers, so the driver who didn’t cause the incident can sue the at-fault driver for damages, medical expenses, and pain and suffering, according to Triple-I.
Is car insurance required in my state?
Most likely, yes. New Hampshire is the only state that doesn’t require car insurance, and drivers still have to prove financial responsibility. All other states and Washington, D.C., have minimum liability requirements.
What is a no-fault state?
In no-fault states, each insurance company compensates its own policyholder for minor injuries following an accident, no matter who caused it. Drivers can sue for severe injuries or death.

Sources

Insurance Institute for Highway Safety (IIHS). "Fatality Facts 2022 State by state."
Federal Bureau of Investigation. "Crime Data Explorer."
Insurance Information Institute. "Background on: Compulsory Auto/Uninsured Motorists."
State of New Hampshire. "Title XXI Motor Vehicles, Chapter 264 Accidents and Financial Responsibility."
National Highway Traffic Safety Administration. "Traffic Safety Facts 2022 Data."

Julia TaliesinInsurance Content Writer

Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass. She reported multiple investigative stories about municipal finances and budget allocation, building development and inspection, and personnel. When the pandemic began she became a de facto public health reporter, writing daily and weekly reports using available data to quickly communicate rates of infection and city response.

She's worked for print and digital outlets, writing everything from quick-hit breaking news to long-form community features. More recently, Julia managed content strategy at a startup creating a social platform for licensed nurses, overseeing a team of nurse freelancers and editing interview transcripts and news articles for publication.

She holds a Bachelor's degree in communications from Simmons University, with a focus in journalism. Outside of work, Julia enjoys working on crafting projects, learning about homesteading, and singing in cover bands.

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Edited byEvelyn PimplaskarEditor-in-Chief, Director of Content

Evelyn PimplaskarEditor-in-Chief, Director of Content

10+ years in insurance and personal finance content
30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

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Reviewed byBritney BalkInsurance Sales Agent

Britney BalkInsurance Sales Agent