What Americans spend on car insurance in every state, ranked from lowest to highest

If you own a car, purchasing car insurance is inevitable.

  • On average, Americans spend $125 a month, or $1,503 for an annual rate, on car insurance.
  • Various factors can go into the pricing of car insurance including geographical location — making every state’s average cost slightly different.
  • Drivers in Michigan spend the most on car insurance, while those in its neighboring state Ohio pay the least.

 


If you own and operate a vehicle, car insurance is a necessary purchase. On average, Americans spend $125 a month, or $1,503 for an annual rate, on car insurance, according to a study done by ValuePenguin.

Car insurance it not a one-size-fits all purchase. The price of car insurance can vary greatly depending on a number of factors including age, gender, marital status, driving record, years of driving experience, credit history, the type of car you drive, your claims history, and more.

ValuePenguin noted that annual car insurance premiums have been on the rise in a majority of states. In 2014, it was reported that the average annual cost of car insurance was $907.38.

ValuePenguin found out the latest average car insurance rates in each state for both monthly and annual payments.

Below, we’ve broken down the list and ranked the states from lowest to highest in terms of the average amount spent on car insurance. The ranking is based on each state’s monthly average, and annual rates for each state are also listed. 

51. Ohio: $77 a month

Average monthly rate: $77

Average annual rate: $926

50. Maine: $80 a month 

Average monthly rate: $80

Average annual rate: $964

49. New Hampshire: $82 a month

Average monthly rate: $82

Average annual rate: $983

46. (TIE) Idaho: $88 a month 

Average monthly rate: $88

Average annual rate: $1,053

46. (TIE) Iowa: $88 a month

Average monthly rate: $88

Average annual rate: $1,058 

46. (TIE) North Carolina: $88 a month 

Average monthly rate: $88

Average annual rate: $1,060

 45. Wisconsin: $91 a month 
Average monthly rate: $91

Average annual rate: $1,087 

44. Virginia: $93 a month 

Average monthly rate: $93

Average annual rate: $1,114

 43. Vermont: $96 a month

Average monthly rate: $96

Average annual rate: $1,149 

42. New York: $98 a month

Average monthly rate: $98

Average annual rate: $1,173

 41. Utah: $99 a month 

Average monthly rate: $99

Average annual rate: $1,192

40. Indiana: $100 a month 

Average monthly rate: $100

Average annual rate: $1,202 

39. Missouri: $101 a month

Average monthly rate: $101

Average annual rate: $1,207

 38. Arizona: $102 a month

Average monthly rate: $102

Average annual rate: $1,222

 36. (TIE) Nebraska: $110 a month

Average monthly rate: $110

Average annual rate: $1,317

36. (TIE) South Carolina: $110 a month 

Average monthly rate: $110

Average annual rate: $1,316 

35. Oregon: $111 a month

Average monthly rate: $111

Average annual rate: $1,333

33. (TIE) Kansas: $113 a month

Average monthly rate: $113

Average annual rate: $1,358

33. (TIE) Minnesota: $113 a month

Average monthly rate: $113

Average annual rate: $1,360 

31. (TIE) Illinois: $114 a month

Average monthly rate: $114

Average annual rate: $1,370

 31. (TIE) New Mexico: $114 a month

Average monthly rate: $114

Average annual rate: $1,371 

30. Mississippi: $115 a month

Average monthly rate: $115

Average annual rate: $1,385

28. (TIE) Nevada: $116 a month

Average monthly rate: $116

Average annual rate: $1,388

28. (TIE) Tennessee: $116 a month

Average monthly rate: $116

Average annual rate: $1,397

26. (TIE) Arkansas: $117 a month

Average monthly rate: $117

Average annual rate: $1,399

26. (TIE) Hawaii: $117 a month 

Average monthly rate: $117

Average annual rate: $1,400

25. Pennsylvania: $120 a month

Average monthly rate: $120

Average annual rate: $1,440

23. (TIE) Kentucky: $125 a month

Average monthly rate: $125

Average annual rate: $1,503

23. (TIE) Washington: $125 a month

Average monthly rate: $125

Average annual rate: $1,499

22. Alabama: $127 a month

Average monthly rate: $127

Average annual rate: $1,529

21. Wyoming: $128 a month

Average monthly rate: $128

Average annual rate: $1,541

19. (TIE) Colorado: $130 a month

Average monthly rate: $130

Average annual rate: $1,558

19. (TIE) South Dakota: $130 a month 

Average monthly rate: $130

Average annual rate: $1,557 

18. Oklahoma: $131 a month

Average monthly rate: $131

Average annual rate: $1,568

17. Delaware: $132 a month 

Average monthly rate: $132

Average annual rate: $1,580

15. (TIE) Alaska: $134 a month

Average monthly rate: $134

Average annual rate: $1,605

15. (TIE) Massachusetts: $134 a month

Average monthly rate: $134

Average annual rate: $1,604 

14. Texas: $135 a month

Average monthly rate: $135

Average annual rate: $1,620

13. Connecticut: $137 a month

Average monthly rate: $137

Average annual rate: $1,638

12. North Dakota: $143 a month

Average monthly rate: $143

Average annual rate: $1,710

11. Maryland: $151 a month

Average monthly rate: $151

Average annual rate: $1,810

10. Florida: $153 a month 

Average monthly rate: $153

Average annual rate: $1,830

9. New Jersey: $159 a month 

Average monthly rate: $159

Average annual rate: $1,905

7. (TIE) California: $164 a month

Average monthly rate: $164

Average annual rate: $1,962

7. (TIE) Louisiana: $164 a month

Average monthly rate: $164

Average annual rate: $1,971

5. (TIE) Montana: $168 a month

Average monthly rate: $168

Average annual rate: $2,013

5. (TIE) Rhode Island: $168 a month

Average monthly rate: $168

Average annual rate: $2,020

4. Washington DC: $177 a month 

Average monthly rate: $177

Average annual rate: $2,127

3. Georgia: $183 a month 

Average monthly rate: $183

Average annual rate: $2,201

2. West Virginia: $210 a month

Average monthly rate: $210

Average annual rate: $2,518

1. Michigan: $213 a month 

Average monthly rate: $213

Average annual rate: $2,551

March 23rd, 2018 by 5 Boroughs Insurance Agency