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
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
