Car Insurance Rates by State 2025
Florida
$3,950
New York
$3,848
Louisiana
$3,626
Nevada
$3,564
Michigan
$3,375
Colorado
$3,200
Pennsylvania
$2,791
California
$2,692
Rhode Island
$2,683
Delaware
$2,636
Kansas
$2,630
Texas
$2,627
Georgia
$2,610
New Jersey
$2,563
Oklahoma
$2,560
Kentucky
$2,558
Arizona
$2,515
Maryland
$2,496
District of Columbia
$2,437
Missouri
$2,437
Alaska
$2,330
Illinois
$2,316
Montana
$2,228
New Mexico
$2,216
Alabama
$2,207
Arkansas
$2,193
Connecticut
$2,187
Mississippi
$2,061
Minnesota
$2,044
Nebraska
$1,994
Virginia
$1,990
Oregon
$1,956
Utah
$1,942
South Dakota
$1,939
West Virginia
$1,904
South Carolina
$1,886
Tennessee
$1,807
Wisconsin
$1,739
North Carolina
$1,702
Iowa
$1,683
Washington
$1,674
North Dakota
$1,655
Hawaii
$1,652
Massachusetts
$1,646
New Hampshire
$1,646
Indiana
$1,639
Wyoming
$1,581
Ohio
$1,530
Maine
$1,517
Idaho
$1,425
Vermont
$1,359
State | Avg Annual Premium, Full Coverage↓ | Avg Annual Premium, Min. Coverage | Minimum Liability Coverage Limits (Thousands) | |
|---|---|---|---|---|
 | Florida | $3,950 | $1,308 | 10/20/10 |
 | New York | $3,848 | $1,661 | 25/50/10 |
 | Louisiana | $3,626 | $953 | 15/30/25 |
 | Nevada | $3,564 | $1,142 | 25/50/20 |
 | Michigan | $3,375 | $1,210 | 50/100/10 |
 | Colorado | $3,200 | $650 | 25/50/15 |
 | Pennsylvania | $2,791 | $522 | 15/30/5 |
 | California | $2,692 | $653 | 15/30/5 |
 | Rhode Island | $2,683 | $800 | 25/50/25 |
 | Delaware | $2,636 | $998 | 25/50/10 |
 | Kansas | $2,630 | $631 | 25/50/25 |
 | Texas | $2,627 | $697 | 30/60/25 |
 | Georgia | $2,610 | $813 | 25/50/25 |
 | New Jersey | $2,563 | $1,030 | 25/50/25 |
 | Oklahoma | $2,560 | $510 | 25/50/25 |
 | Kentucky | $2,558 | $771 | 25/50/25 |
 | Arizona | $2,515 | $795 | 25/50/15 |
 | Maryland | $2,496 | $984 | 30/60/15 |
 | District of Columbia | $2,437 | $762 | 25/50/10 |
 | Missouri | $2,437 | $610 | 25/50/25 |
 | Alaska | $2,330 | $498 | 50/100/25 |
 | Illinois | $2,316 | $682 | 25/50/20 |
 | Montana | $2,228 | $380 | 25/50/20 |
 | New Mexico | $2,216 | $523 | 25/50/10 |
 | Alabama | $2,207 | $541 | 25/50/25 |
 | Arkansas | $2,193 | $457 | 25/50/25 |
 | Connecticut | $2,187 | $826 | 25/50/25 |
 | Mississippi | $2,061 | $514 | 25/50/25 |
 | Minnesota | $2,044 | $650 | 30/60/10 |
 | Nebraska | $1,994 | $516 | 25/50/25 |
 | Virginia | $1,990 | $677 | 30/60/20 |
 | Oregon | $1,956 | $789 | 25/50/20 |
 | Utah | $1,942 | $700 | 25/65/15 |
 | South Dakota | $1,939 | $334 | 25/50/25 |
 | West Virginia | $1,904 | $488 | 25/50/25 |
 | South Carolina | $1,886 | $657 | 25/50/25 |
 | Tennessee | $1,807 | $459 | 25/50/25 |
 | Wisconsin | $1,739 | $425 | 25/50/10 |
 | North Carolina | $1,702 | $491 | 30/60/25 |
 | Iowa | $1,683 | $317 | 20/40/15 |
 | Washington | $1,674 | $563 | 25/50/10 |
 | North Dakota | $1,655 | $362 | 25/50/25 |
 | Hawaii | $1,652 | $415 | 20/40/10 |
 | Massachusetts | $1,646 | $416 | 20/40/5 |
 | New Hampshire | $1,646 | $419 | 25/50/25 |
 | Indiana | $1,639 | $424 | 25/50/25 |
 | Wyoming | $1,581 | $270 | 25/50/20 |
 | Ohio | $1,530 | $404 | 25/50/25 |
 | Maine | $1,517 | $398 | 50/100/25 |
 | Idaho | $1,425 | $343 | 25/50/15 |
 | Vermont | $1,359 | $311 | 25/50/10 |
- Rates evaluated March 2024.
- Minimum coverage limits typically have three values, which correspond to three different types of injury/damage. For example, minimum values of 25/50/15 would indicate a requirement of $25,000 for bodily injury per person, $50,000 for total bodily injury per accident, and $15 for property damage per accident.
State | Avg Annual Premium, Full Coverage |
|---|---|
| Florida | $3,950 |
| New York | $3,848 |
| Louisiana | $3,626 |
| Nevada | $3,564 |
| Michigan | $3,375 |
| Colorado | $3,200 |
| Pennsylvania | $2,791 |
| California | $2,692 |
| Rhode Island | $2,683 |
| Delaware | $2,636 |
