Cheapest Car Insurance by State
See which states have the lowest average car insurance costs. Rankings are based on state-level data; your actual rate depends on age, driving history, and coverage.
Quick Answer
State-level base premiums from published data show where car insurance tends to cost less. The lowest-cost states often have lower population density, fewer claims, or different regulation. Your actual rate depends on age, driving history, and coverage.
State Ranking by Estimated Cost
States ordered from lowest to highest estimated annual cost (typical driver, state average). Click a state for scenario estimates by age and coverage.
| Rank | State | Estimated Annual Cost | Monthly Estimate | View Estimates |
|---|---|---|---|---|
| 1 | Maine | $950–$1,170/yr | $90/mo | View estimates |
| 2 | North Dakota | $990–$1,210/yr | $90/mo | View estimates |
| 3 | Vermont | $990–$1,210/yr | $90/mo | View estimates |
| 4 | Idaho | $1,010–$1,230/yr | $90/mo | View estimates |
| 5 | Hawaii | $1,030–$1,260/yr | $100/mo | View estimates |
| 6 | Wisconsin | $1,030–$1,260/yr | $100/mo | View estimates |
| 7 | Iowa | $1,040–$1,270/yr | $100/mo | View estimates |
| 8 | Indiana | $1,060–$1,300/yr | $100/mo | View estimates |
| 9 | New Hampshire | $1,060–$1,300/yr | $100/mo | View estimates |
| 10 | Ohio | $1,070–$1,310/yr | $100/mo | View estimates |
| 11 | North Carolina | $1,130–$1,380/yr | $100/mo | View estimates |
| 12 | South Dakota | $1,190–$1,460/yr | $110/mo | View estimates |
| 13 | Kansas | $1,220–$1,490/yr | $110/mo | View estimates |
| 14 | Montana | $1,220–$1,490/yr | $110/mo | View estimates |
| 15 | Nebraska | $1,220–$1,490/yr | $110/mo | View estimates |
| 16 | Wyoming | $1,220–$1,490/yr | $110/mo | View estimates |
| 17 | Kentucky | $1,240–$1,520/yr | $120/mo | View estimates |
| 18 | Tennessee | $1,250–$1,530/yr | $120/mo | View estimates |
| 19 | Minnesota | $1,260–$1,540/yr | $120/mo | View estimates |
| 20 | West Virginia | $1,260–$1,540/yr | $120/mo | View estimates |
| 21 | Washington | $1,270–$1,550/yr | $120/mo | View estimates |
| 22 | Virginia | $1,270–$1,560/yr | $120/mo | View estimates |
| 23 | Illinois | $1,290–$1,580/yr | $120/mo | View estimates |
| 24 | Alaska | $1,300–$1,590/yr | $120/mo | View estimates |
| 25 | Alabama | $1,310–$1,600/yr | $120/mo | View estimates |
| 26 | Oregon | $1,310–$1,600/yr | $120/mo | View estimates |
| 27 | Pennsylvania | $1,310–$1,600/yr | $120/mo | View estimates |
| 28 | Utah | $1,320–$1,620/yr | $120/mo | View estimates |
| 29 | Arkansas | $1,330–$1,630/yr | $120/mo | View estimates |
| 30 | New Mexico | $1,340–$1,640/yr | $120/mo | View estimates |
| 31 | Missouri | $1,360–$1,670/yr | $130/mo | View estimates |
| 32 | Oklahoma | $1,360–$1,670/yr | $130/mo | View estimates |
| 33 | Mississippi | $1,440–$1,760/yr | $130/mo | View estimates |
| 34 | California | $1,460–$1,780/yr | $140/mo | View estimates |
| 35 | Massachusetts | $1,460–$1,780/yr | $140/mo | View estimates |
| 36 | Arizona | $1,550–$1,890/yr | $140/mo | View estimates |
| 37 | Connecticut | $1,550–$1,900/yr | $140/mo | View estimates |
| 38 | South Carolina | $1,560–$1,910/yr | $140/mo | View estimates |
| 39 | Delaware | $1,620–$1,970/yr | $150/mo | View estimates |
| 40 | Michigan | $1,620–$1,980/yr | $150/mo | View estimates |
| 41 | Nevada | $1,650–$2,010/yr | $150/mo | View estimates |
| 42 | Maryland | $1,650–$2,020/yr | $150/mo | View estimates |
| 43 | Colorado | $1,700–$2,080/yr | $160/mo | View estimates |
| 44 | New Jersey | $1,740–$2,130/yr | $160/mo | View estimates |
| 45 | Rhode Island | $1,760–$2,150/yr | $160/mo | View estimates |
| 46 | Texas | $1,780–$2,170/yr | $160/mo | View estimates |
| 47 | Georgia | $1,800–$2,200/yr | $170/mo | View estimates |
| 48 | New York | $1,950–$2,390/yr | $180/mo | View estimates |
| 49 | Louisiana | $2,040–$2,500/yr | $190/mo | View estimates |
| 50 | Florida | $2,050–$2,510/yr | $190/mo | View estimates |
State Pages
Jump to state hubs for scenario estimates: Maine, North Dakota, Vermont, Idaho, Hawaii, Wisconsin, Iowa, Indiana, New Hampshire, Ohio, North Carolina, South Dakota, Kansas, Montana, Nebraska, Wyoming, Kentucky, Tennessee, Minnesota, West Virginia.
How Cheapest Insurance Is Calculated
We use published state-level average premiums (e.g. NAIC data), adjusted for inflation. The "cheapest" states are those with the lowest base premium in our model. Your own rate will vary with age, driving record, coverage level, and location within the state.
Why Insurance Prices Vary by State
State laws (minimum coverage, no-fault rules), population density, accident and theft rates, weather risk, and local claims experience all affect average premiums. Use this list to see relative cost by state, then drill into a state for scenario estimates.
How to Lower Insurance Costs
Compare quotes from multiple insurers, consider a higher deductible, maintain a good driving record, and choose the right coverage level for your situation. Our how we calculate page explains the factors behind these estimates.
Related
Average Car Insurance by State · Minimum vs Full Coverage · Auto Insurance Hub · How we calculate · Sources
Frequently asked questions
Are these real quotes?
No. These are educational estimates from state-level data. Get real quotes from insurers for your situation.
Why does insurance vary by state?
Regulation, population density, accident and theft rates, weather risk, and claims experience differ by state. We use published data so you can compare.
How can I reduce my insurance cost?
Shop multiple insurers, consider higher deductibles, maintain a clean driving record, and choose coverage that fits your needs. See how we calculate for factors that affect estimates.