Average cost of car insurance by state
Average monthly price: $137
Total six-month policy average: $817
States included: Idaho, Indiana, Iowa, Kansas, Maine, Minnesota, Montana, New Hampshire, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, South Dakota, Vermont, Wisconsin, and Wyoming.
Why these are the most affordable states
Favorable weather: Most of these states aren't coastal, which means you're not as susceptible to catastrophic weather such as hurricanes. Plus, these are non-desert states, which means chipped/cracked glass claims aren't as common. Glass claims are usually caused by debris/rocks being kicked up cars, and that happens more frequently in dry, desert states.
Small population density: Fewer drivers leads to less congested roads, lower traffic, and ultimately fewer accidents.
Low crime rates: For vandalism and car thefts, these states generally rank lower than medium and high-cost states.
Lack of dangerous intersections: Insurance companies track data on particularly dangerous intersections, such as five- and six-way stops, really busy intersections, etc. These states tend to have fewer, which means fewer accidents.
Insurance requirements are minimal: So we pass the savings on to drivers.
Average monthly price: $167
Total six-month policy average: $999
States included: Alaska, Arizona, Alabama, Arkansas, Hawaii, Illinois, Kentucky, Mississippi, Missouri, Nebraska, Nevada, Oregon, Tennessee, Utah, Virginia, Washington, and West Virginia.
Why these states rank in the middle per cost
Fairly favorable weather: Most states in this group aren't coastal, so you're not susceptible to catastrophic weather. But, desert and other dry states may be prone to glass damage from debris/rocks being kicked up by cars.
Fairly populated: These states fall in the middle in terms of population, which means they also fall in the middle for traffic and accidents.
Medium crime rates: For vandalism and car thefts, these states generally rank lower than high-cost states but higher than low-cost states.
Fewer dangerous intersections: Compared to high cost states, most states ranking in the middle per cost don't have as many risky intersections—which means fewer accidents.
Some insurance requirements by state law: These aren't the most regulated states, but may have more mandates that could increase insurance prices compared to low-cost states.
Average monthly price: $232
Total six-month policy average: $1,379
States included: California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Louisiana, Maryland, Massachusetts, Michigan, Pennsylvania, New Jersey, New York, Rhode Island, South Carolina, and Texas.
Why these are the most expensive states
Dense population: More drivers mean more accidents.
Severe weather issues: Earthquakes, floods, and hurricanes are more common, as many of these states are coastal. Plus, many of these non-coastal states are more prone to hail, which leads to more claims.
Higher crime rates: Theft and vandalism are more common in this group of states than medium- and lower-priced states, which results in more claims.
More dangerous intersections: Busy five- and six-way stops are likely to cause more accidents.
More stringent insurance requirements by state laws: Many of these states have highly regulated insurance laws or more complex coverage requirements. That means higher prices.
About our data
This data shows the average rate for a six-month auto policy at Progressive for 2017. Keep checking back, because we'll be continuously updating this page. When researching average prices, it's very important to pay attention to the source of the data and the year. Rates are always changing and any data that's several years old may not be relevant.
While this data provides insight as to the average cost of car insurance in every state, it isn't customized to your situation. If you’re looking for additional tips to save on your car insurance rate, read how to get the cheapest car insurance rate possible. When you’re ready, you can get a car insurance quote online or call us at 1-866-749-7436.
Rates are always changing, so we'll be continuously updating this page.