auto insurance

State-specific car insurance rates

The Cost Of Car Insurance Knowing your state’s protection laws will assist you with seeing how cases are taken care of. While it tends to be useful to have a fundamental comprehension of your state’s base accident coverage, it’s not important to retain them. Accident coverage approaches with limits beneath the state least won’t be accessible.

The following is a table posting the normal least and full inclusion rates in each state. The base obligation limits for each state are write dwon in three numbers isolated by a slice.

These figures address the base risk inclusion for real injury per individual/obligation for substantial injury/property harm per mishap. The table beneath records the base inclusion for substantial injury and property harm.

A few states might have extra prerequisites like uninsured driver inclusion or individual injury insurance (PIP).

Collision protection statements will contrast in light of your driving record, area, vehicle and markdown qualification. You might be following through on more than the normal cost due to this.

These reaches can be utilized to gauge the inclusion you may require in view of your necessities. Complete inclusion, which incorporates exhaustive inclusion and crash inclusion, can be more costly than buying least inclusion protection. Extensive inclusion covers vehicle harm from mishaps and different components, yet you can generally alter your strategy by adding collision protection inclusions. You can decide to add inclusion or pay more than the normal status.

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sad woman near scratched car. car dent .auto insurance

The most expensive state for car insurance


Louisiana is the most expensive state for auto insurance. It costs $2,724 per year for full coverage insurance compared to the national average of $1.674. This is due to several factors, including the high frequency of lawsuits for automobile accidents, a large number of uninsured drivers, and growing traffic density and accident risk, as well as expensive auto repairs and severe weather.


Florida’s high cost of car insurance is due to its vulnerability to severe weather. Florida is subject to hurricanes, storms, and floods each year. This can cause vehicular damage and increase the risk for insurance companies. Florida has the highest percentage of uninsured motorists at 20.4%. This is in addition to the low coverage limits. Floridians pay $700 more to insure their car with full coverage than the national average.

New York

New Yorkers pay more for their car insurance than any American driver, with the second-highest cost of minimum coverage and the third-highest average cost for full coverage. High insurance rates in New York are due to the state’s large number of fraudulent claims each year. This, along with its more than 11,000,000 registered vehicles, causes traffic to be a dense and higher risk of collision.

Cheapest state for car insurance


Maine is one of the most congested states in America. This makes it safer to drive and lowers the risk of an accident. Maine also has only 4.9% of uninsured motorists, making it one of the least expensive states. All these factors make Maine the most affordable state for auto insurance at $965 per year for full coverage.


Ohio has the second-cheapest average state for full coverage, despite having a large driving popul and an increased likelihood of motor vehicle accidents and injury. Ohio’s combination of suburban and rural roads may explain the lower cost of coverage. This is because it has a smaller number of accidents and injuries than other states. Full coverage costs Ohio drivers an average of $1,034 per year.


Nearly 40% of Idaho drivers are between 30 and 54 years old. Rates for these drivers are typically lower than rates for younger or older age groups. This could explain the lower than average rates in Idaho. Many cities are also less populated than others and therefore have shorter commute times. This reduces the chance of road accidents.

State with no-fault

Your state of residence is another factor that can impact your car insurance rates. Some states are no-fault states while others are at fault states or tort states. Below is a list of 12 states that are not at fault.


  • Hawaii
  • Kansas
  • Kentucky
  • Massachusetts
  • Michigan
  • Minnesota
  • New Jersey
  • New York
  • North Dakota
  • Pennsylvania
  • Utah

No-fault states allow each party to file a claim with their car insurance to cover minor medical expenses following an accident. To help with these medical expenses, drivers in no-fault states are required to have Personal Injury Protection. No-fault states can determine liability in an accident.

The responsible party will be liable for any property damage or medical expenses exceeding a threshold depending on the state. At-fault states allow the driver who caused the accident to be compensated by the other driver. The driver at fault is not need for medical expenses to be filed with their insurance.

Your car insurance rate will be affected by where you live

Are you in an area that is susceptible to flooding and storms? Is your city prone to vehicle thefts? Is your state requiring a higher minimum level of coverage? These cases may require you to pay higher car insurance. High premiums are a result of high-risk areas such as urban areas that have dense traffic and long commute times.

Additional factors that affect your car insurance rate

Your location isn’t the only factor that will affect your auto insurance rates. Your:

  • Age
  • Credit score
  • Gender
  • Driving record
  • Marital status
  • Make and model of your car
  • Requirements for liability of the state
  • Annual mileage
  • History of Claims

These factors are weighed differently by each car insurance agency when setting rates. For example, some companies might weigh your driving record more than others. Shopping around is a great way to find affordable car coverage.

Not all rating factors are used in every state. Some states prohibit the use of credit scores, age, gender, and gender as insurance rating factors. Credit is forbid in Washington, California, Hawaii, Massachusetts, and Michigan for rating insurance policies.