Auto insurance
Cheap auto insurance,
State by State.
Compare average full-coverage rates across all 50 states. See where your state ranks against the $1,789 national average, what coverage is legally required, and the fastest ways drivers cut their bill — without dropping coverage.
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National average
$1,789
per year, full coverage
Cheapest state
Maine
$1,000/yr · 44% under average
States covered
50
+ DC · live rate averages
Rate landscape
Where your state ranks.
5 cheapest states
- 1Maine$1,000
- 2Idaho$1,100
- 3New Hampshire$1,100
- 4Vermont$1,150
- 5Hawaii$1,175
5 most expensive states
- 1Michigan$2,925
- 2Louisiana$2,750
- 3Florida$2,625
- 4Rhode Island$2,250
- 5Nevada$2,150
All 50 states
Alabama
$1,825↑ 2%
Alaska
$1,325↓ 26%
Arizona
$1,675↓ 6%
Arkansas
$1,875↑ 5%
California
$2,050↑ 15%
Colorado
$1,800↑ 1%
Connecticut
$1,825↑ 2%
Delaware
$1,950↑ 9%
District of Columbia
$1,925↑ 8%
Florida
$2,625↑ 47%
Georgia
$1,925↑ 8%
Hawaii
$1,175↓ 34%
Idaho
$1,100↓ 39%
Illinois
$1,675↓ 6%
Indiana
$1,325↓ 26%
Iowa
$1,175↓ 34%
Kansas
$1,625↓ 9%
Kentucky
$2,025↑ 13%
Louisiana
$2,750↑ 54%
Maine
$1,000↓ 44%
Maryland
$1,950↑ 9%
Massachusetts
$1,550↓ 13%
Michigan
$2,925↑ 63%
Minnesota
$1,500↓ 16%
Mississippi
$1,925↑ 8%
Missouri
$1,750↓ 2%
Montana
$1,675↓ 6%
Nebraska
$1,675↓ 6%
Nevada
$2,150↑ 20%
New Hampshire
$1,100↓ 39%
New Jersey
$1,925↑ 8%
New Mexico
$1,675↓ 6%
New York
$2,100↑ 17%
North Carolina
$1,175↓ 34%
North Dakota
$1,325↓ 26%
Ohio
$1,175↓ 34%
Oklahoma
$2,025↑ 13%
Oregon
$1,500↓ 16%
Pennsylvania
$1,675↓ 6%
Rhode Island
$2,250↑ 26%
South Carolina
$1,825↑ 2%
South Dakota
$1,550↓ 13%
Tennessee
$1,525↓ 15%
Texas
$1,825↑ 2%
Utah
$1,500↓ 16%
Vermont
$1,150↓ 36%
Virginia
$1,375↓ 23%
Washington
$1,450↓ 19%
West Virginia
$1,625↓ 9%
Wisconsin
$1,275↓ 29%
Wyoming
$1,475↓ 18%
Popular cities
25 metro-level guides — city ZIPs can swing premiums 20–45% above the state average.
Atlanta
$2,406Georgia
Austin
$1,862Texas
Boston
$2,015Massachusetts
Buffalo
$1,785New York
Charlotte
$1,293North Carolina
Chicago
$2,345Illinois
Dallas
$2,008Texas
Denver
$2,070Colorado
Detroit
$5,411Michigan
Houston
$2,099Texas
Jacksonville
$2,625Florida
Las Vegas
$2,580Nevada
Los Angeles
$2,501California
Miami
$3,413Florida
Nashville
$1,830Tennessee
New York City
$3,045New York
Orlando
$2,888Florida
Philadelphia
$2,429Pennsylvania
Phoenix
$1,843Arizona
Sacramento
$1,948California
San Antonio
$1,734Texas
San Diego
$2,153California
San Francisco
$2,419California
Seattle
$1,885Washington
Tampa
$3,019Florida