Average cost of Progressive car insurance by state

Low-cost states

Average monthly price: $114*

Total six-month policy average: $682*

States included: California, Hawaii, Idaho, Illinois, Indiana, Iowa, Maine, Montana, New Hampshire, North Carolina, North Dakota, Ohio, Tennessee, South Dakota, Vermont, Wisconsin, and Wyoming.

Why these states might have more affordable car insurance

Most of these states aren't coastal, so they're less susceptible to catastrophic weather like hurricanes. That means less claims for glass damage and less weather-related auto repairs in general. Additionally, many of these states see fewer vehicles stolen each year compared to others, which generally translates to lower risk and therefore lower insurance prices.

Medium-cost states

Average monthly price: $137*

Total six-month policy average: $819*

States included: Alabama, Alaska, Arizona, Arkansas, Colorado, Kansas, Minnesota, Mississippi, Missouri, Nebraska, New Mexico, Oklahoma, Oregon, Pennsylvania, Virginia, Washington, and West Virginia.

Why these states might rank in the middle for car insurance cost

Some of these states are coastal, which increases the risk of damage due to catastrophic weather. Additionally, arid and desert states may be more prone to glass damage from debris and rocks being kicked up by vehicles. A lot of these states also rank in the middle for vehicle theft rates, which could contribute to the middle-of-the-road price average of this group.

High-cost states

Average monthly price: $190*

Total six-month policy average: $1,142*

States included: Connecticut, Delaware, District of Columbia, Florida, Georgia, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Nevada, New Jersey, New York, Rhode Island, South Carolina, Texas, and Utah.

Why these states might have the most expensive car insurance

States with a higher population density, like New York, tend to have more car accidents. Additionally, this group contains more coastal states, which means a higher risk of floods and hurricanes. A few other states have more complex coverage requirements, which could result in higher prices.

How can I get a discount on my car insurance?

There are a variety of ways you can save on auto insurance. Many insurers offer discounts for having more than one policy with them, in addition to insuring more than one vehicle. Check out the list of car insurance discounts available from Progressive to see even more ways you can save.

About our data

This data shows the average rate for a six-month liability-only auto policy at Progressive between 2019 and 2020. Keep checking back for updates to this page. When researching average prices, it's critical to pay attention to the source and year of the data. Rates are always changing and older data may no longer be relevant.

While this data provides insight into the average cost of car insurance in every state, it isn't customized to your specific situation. Want additional tips on how to save on your car insurance costs? Check out how to get the cheapest car insurance rate possible. Once you're ready to get rolling, get a car insurance quote online or call us at 1-866-749-7436.