Car Shipping Quotes by State

How where you live impacts auto insurance rates

One of the primary factors used in car insurance pricing is location. Average car insurance rates by state may vary based on legal regulations and insurance companies’ efforts to price accurately based on these differences.

For instance, drivers in no-fault states such as Michigan and Florida often pay more for insurance than do drivers in other areas of the country. Dive into the details and compare auto insurance rates by state below!

What are the cheapest states for car insurance?

The states with the most affordable car insurance rates are Maine, North Carolina, and Virginia. Each of these East Coast states boasts average annual auto insurance rates that are more than 53% lower than the national average of $1,548. Despite this, drivers in Maine, Virginia, and North Carolina endured year-over-year insurance rate increases. The state that saw the largest decrease in average insurance rates this year was Texas, at 23%.

In general, less-dense states — and those with drivers qualifying as low-risk — enjoy the cheapest car insurance rates. Many of America’s most affordable car insurance states are low-density locales such as Idaho, Utah, Maine, Vermont, and Iowa. The cheapest US region for car insurance is New England ($1,305 per year), followed closely by the Great Plains ($1,449).

What are the most expensive states for car insurance?

The states with the highest auto insurance rates are Michigan, Louisiana, and Florida. Two of these states — Michigan and Florida — are no-fault car insurance states, meaning every driver involved in an incident pays for their own injuries and damages.

In states with no-fault laws, car insurance companies raise rates to account for the added financial risk they bear. Louisiana’s rates are atypically expensive due to its high number of uninsured drivers and its tendency to sustain damages via floods and hurricanes.

10 MOST EXPENSIVE STATES FOR AUTO INSURANCE