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Side-by-side comparisons of the most expensive states for car insurance. Compare average premiums, fault systems, coverage requirements, and uninsured rates across 105 state pairs.
All data sourced from NAIC & State DOI (2025). Premiums are state-wide averages.
Car insurance costs vary by 2-3x between the cheapest and most expensive states. Key factors driving these differences include fault system type, minimum coverage requirements, population density, weather patterns, litigation environment, and uninsured motorist rates.
Use our state comparisons to understand why rates differ and what factors affect your premium when moving between states or shopping for coverage.