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Auto insurance costs vary dramatically across the United States. Compare average annual premiums, minimum coverage requirements, fault systems, and uninsured motorist rates for all 51 states.
51
States + DC
$1,726
National Avg Premium
0
No-Fault States
51
At-Fault States
| State | Avg Premium | Liability Only | Full Coverage | Fault System | Uninsured |
|---|---|---|---|---|---|
| Alabama(AL) | $1,890 | $620 | $1,890 | At-Fault (Tort) | 18.0% |
| Alaska(AK) | $1,580 | $510 | $1,580 | At-Fault (Tort) | 10.2% |
| Arizona(AZ) | $1,870 | $620 | $1,870 | At-Fault (Tort) | 11.8% |
| Arkansas(AR) | $1,820 | $590 | $1,820 | At-Fault (Tort) | 16.6% |
| California(CA) | $2,070 | $680 | $2,070 | At-Fault (Tort) | 15.2% |
| Colorado(CO) | $2,100 | $690 | $2,100 | At-Fault (Tort) | 11.2% |
| Connecticut(CT) | $1,780 | $580 | $1,780 | At-Fault (Tort) | 9.4% |
| Delaware(DE) | $1,920 | $630 | $1,920 | At-Fault (Tort) | 11.4% |
| District of Columbia(DC) | $1,820 | $600 | $1,820 | At-Fault (Tort) | 10.6% |
| Florida(FL) | $2,500 | $820 | $2,500 | No-Fault | 20.4% |
| Georgia(GA) | $2,100 | $690 | $2,100 | At-Fault (Tort) | 12.4% |
| Hawaii(HI) | $1,270 | $420 | $1,270 | No-Fault | 9.2% |
| Idaho(ID) | $1,100 | $360 | $1,100 | At-Fault (Tort) | 7.4% |
| Illinois(IL) | $1,650 | $540 | $1,650 | At-Fault (Tort) | 11.0% |
| Indiana(IN) | $1,530 | $500 | $1,530 | At-Fault (Tort) | 14.0% |
| Iowa(IA) | $1,350 | $440 | $1,350 | At-Fault (Tort) | 8.6% |
| Kansas(KS) | $1,690 | $550 | $1,690 | No-Fault | 7.2% |
| Kentucky(KY) | $2,200 | $720 | $2,200 | No-Fault | 13.8% |
| Louisiana(LA) | $2,600 | $850 | $2,600 | At-Fault (Tort) | 11.7% |
| Maine(ME) | $900 | $300 | $900 | At-Fault (Tort) | 4.5% |
| Maryland(MD) | $1,870 | $610 | $1,870 | At-Fault (Tort) | 12.2% |
| Massachusetts(MA) | $1,470 | $480 | $1,470 | No-Fault | 6.2% |
| Michigan(MI) | $2,700 | $890 | $2,700 | No-Fault | 19.4% |
| Minnesota(MN) | $1,560 | $510 | $1,560 | No-Fault | 7.9% |
| Mississippi(MS) | $1,780 | $580 | $1,780 | At-Fault (Tort) | 22.5% |
| Missouri(MO) | $1,760 | $580 | $1,760 | At-Fault (Tort) | 14.0% |
| Montana(MT) | $1,680 | $550 | $1,680 | At-Fault (Tort) | 7.5% |
| Nebraska(NE) | $1,580 | $520 | $1,580 | At-Fault (Tort) | 6.8% |
| Nevada(NV) | $2,070 | $680 | $2,070 | At-Fault (Tort) | 10.4% |
| New Hampshire(NH) | $1,050 | $340 | $1,050 | At-Fault (Tort) | 6.1% |
| New Jersey(NJ) | $1,970 | $650 | $1,970 | No-Fault | 14.9% |
| New Mexico(NM) | $1,690 | $550 | $1,690 | At-Fault (Tort) | 19.8% |
| New York(NY) | $2,320 | $760 | $2,320 | No-Fault | 6.1% |
| North Carolina(NC) | $1,350 | $440 | $1,350 | At-Fault (Tort) | 7.4% |
| North Dakota(ND) | $1,360 | $440 | $1,360 | No-Fault | 6.0% |
| Ohio(OH) | $1,290 | $420 | $1,290 | At-Fault (Tort) | 12.4% |
| Oklahoma(OK) | $2,030 | $660 | $2,030 | At-Fault (Tort) | 10.8% |
| Oregon(OR) | $1,680 | $550 | $1,680 | At-Fault (Tort) | 8.4% |
| Pennsylvania(PA) | $1,760 | $580 | $1,760 | No-Fault | 7.6% |
| Rhode Island(RI) | $1,930 | $630 | $1,930 | At-Fault (Tort) | 15.6% |
| South Carolina(SC) | $2,010 | $660 | $2,010 | At-Fault (Tort) | 8.9% |
| South Dakota(SD) | $1,560 | $510 | $1,560 | At-Fault (Tort) | 7.2% |
| Tennessee(TN) | $1,640 | $540 | $1,640 | At-Fault (Tort) | 16.7% |
| Texas(TX) | $1,940 | $640 | $1,940 | At-Fault (Tort) | 14.1% |
| Utah(UT) | $1,610 | $530 | $1,610 | No-Fault | 8.2% |
| Vermont(VT) | $1,000 | $330 | $1,000 | At-Fault (Tort) | 6.8% |
| Virginia(VA) | $1,580 | $520 | $1,580 | At-Fault (Tort) | 9.6% |
| Washington(WA) | $1,620 | $530 | $1,620 | At-Fault (Tort) | 15.6% |
| West Virginia(WV) | $1,720 | $560 | $1,720 | At-Fault (Tort) | 9.3% |
| Wisconsin(WI) | $1,280 | $420 | $1,280 | At-Fault (Tort) | 8.5% |
| Wyoming(WY) | $1,430 | $470 | $1,430 | At-Fault (Tort) | 5.8% |
Car insurance rates vary by state due to differences in minimum coverage requirements, fault systems, population density, weather patterns, litigation environments, and uninsured motorist rates. No-fault states generally have higher premiums due to mandatory Personal Injury Protection (PIP) requirements.
Average premiums shown are state-wide estimates based on data from NAIC & State DOI. Your individual rate depends on driving history, age, vehicle, credit score, and chosen coverage levels.