Auto Insurance Prices By State -

Auto insurance prices vary significantly across the U.S. due to different state laws, population density, and weather risks. For , average annual premiums for full coverage range from approximately $1,347 in low-cost states like Vermont to nearly $4,000 in high-cost states like Louisiana . Highest and Lowest Average Rates by State (2026)

The following states represent the extremes of the market for full-coverage policies. Top 5 Most Expensive States Avg. Annual Premium Top 5 Cheapest States Avg. Annual Premium Vermont Michigan Maine Nevada New Hampshire Florida Ohio Maryland Idaho Key Factors Driving Price Differences auto insurance prices by state

To get a more accurate estimate for your specific situation, you can use online comparison tools: Compare Car Insurance Quotes & Find Cheaper Rates Auto insurance prices vary significantly across the U

States with "no-fault" insurance systems often have higher premiums because they require Personal Injury Protection (PIP) coverage. Highest and Lowest Average Rates by State (2026)

Each state sets its own minimum liability requirements . Michigan , for example, has high requirements that contribute to its expensive rates.

States with high percentages of uninsured motorists often see higher rates for those who do carry insurance. Comparison Tools