Best Car Insurance by State (2024)
Car insurance rates vary dramatically from state to state due to risks, car insurance requirements, and at-fault or tort status. With our free comparison tool below, you can easily compare car insurance quotes and car insurance companies in your ZIP code to find the best car insurance by state.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
UPDATED: Sep 20, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 20, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
State-Specific Car Insurance Rules
The guides above are designed to give you a good look into your particular state’s driving and insurance laws, so you can better understand what is required of you, as well as what your options are in an accident, to help you get the best car insurance by state.
Car insurance, as with most other types of personal and business insurance, is regulated at the state level. That means each state is responsible for setting rules for how drivers that reside in their borders are supposed to be insured.
Because of this, car insurance laws and requirements can vary dramatically depending on what state you happen to live in.
Read more:
- Car Insurance Near You
- Best Louisiana Car Insurance (2024)
- Best Virginia Car Insurance (2024)
- Best Maryland Car Insurance (2024)
- Best Andover, Massachusetts Car Insurance Companies (2024)
- Best Washington DC Car Insurance (2024)
- Best Indiana Car Insurance (2024)
- Best Colorado Car Insurance (2024)
- Best Arizona Car Insurance (2024)
- Best Wisconsin Car Insurance (2024)
- Best Wyoming Car Insurance (2024)
- Best Idaho Car Insurance (2024)
- Best Chicago, Iillinois Car Insurance (2024)
- Best Kansas Car Insurance (2024)
- Best Kentucky Car Insurance (2024)
- Best Rhode Island Car Insurance (2024)
- Best Nevada Car Insurance (2024)
- Best Los Angeles, California Car Insurance (2024)
- Best South Dakota Car Insurance (2024)
- Best Hawaii Car Insurance (2024)
- Best Montana Car Insurance (2024)
- Best Utah Car Insurance (2024)
- Best Tennessee Car Insurance (2024)
- Best Pennsylvania Car Insurance (2024)
- Best Oklahoma Car Insurance (2024)
- Best North Carolina Car Insurance (2024)
- Best New Mexico Car Insurance (2024)
- Best Connecticut Car Insurance (2024)
- Best Arkansas Car Insurance (2024)
- Best Ohio Car Insurance (2024)
- Best Oregon Car Insurance (2024)
- Best Mississippi Car Insurance (2024)
- Best North Dakota Car Insurance (2024)
- Best New York Car Insurance (2024)
- Best New Hampshire Car Insurance (2024)
- Best Missouri Car Insurance (2024)
- Best Minnesota Car Insurance (2024)
- Best Michigan Car Insurance (2024)
- Best Iowa Car Insurance (2024)
- Best New Jersey Car Insurance (2024)
- Best Amarillo, Texas Car Insurance (2024)
- Best Frisco, Texas Car Insurance (2024)
- Best Mesquite, Texas Car Insurance (2024)
- Best Illinois Car Insurance (2024)
- Best Delaware Car Insurance (2024)
- Best Florida Car Insurance (2024)
- Best California Car Insurance (2024)
- Best Georgia Car Insurance (2024)
- Best Alaska Car Insurance (2024)
- Best Alabama Car Insurance (2024)
- Best California Car Insurance for New Drivers (2024)
- Best Nebraska Car Insurance (2024)
- Best Maine Car Insurance (2024)
- Best Vermont Car Insurance (2024)
- Best South Carolina Car Insurance (2024)
- Best Massachusetts Car Insurance (2024)
- Best Washington Car Insurance (2024)
- Colorado Car Insurance Laws
- Georgia Car Insurance Laws
- Hawaii Car Insurance Law
- Iowa Car Insurance Laws
- Kansas Car Insurance Laws
- Massachusetts Car Insurance Laws
- Minnesota Car Insurance Laws
- Mississippi Car Insurance Laws
- Oklahoma Car Insurance Laws
- Oregon Car Insurance Laws
- Rhode Island Car Insurance Laws
- South Carolina Car Insurance Laws
- Texas Car Insurance Laws
- Utah Car Insurance Laws
- West Virginia Car Insurance Laws
- Washington Car Insurance Laws
One of the most basic differences between the states’ car insurance requirements is the required amount of liability insurance each driver must carry in order to drive on public roads. Liability coverage is the part of a policy that pays for damages to other people and property. Some states have very low liability requirements, while others require a great deal more.
Because coverage requirements vary, so do car insurance rates. Let’s review the National Association of Insurance Commissioners (NAIC) average cost of auto insurance by coverage type by state:
Average Monthly Car Insurance Rates by Coverage Type
| States | Average Monthly Liability Rates | Average Monthly Collision Rates | Average Monthly Comprehensive Rates | Average Monthly Full Coverage Rates |
|---|---|---|---|---|
| Alabama | $37 | $28 | $14 | $79 |
| Alaska | $47 | $31 | $12 | $90 |
| Arizona | $48 | $25 | $16 | $89 |
| Arkansas | $36 | $29 | $17 | $82 |
| California | $45 | $36 | $8 | $88 |
| Colorado | $49 | $25 | $17 | $91 |
| Connecticut | $59 | $32 | $11 | $102 |
| Delaware | $69 | $28 | $11 | $107 |
| District of Columbia | $58 | $41 | $19 | $118 |
| Florida | $76 | $26 | $11 | $113 |
| Georgia | $55 | $30 | $14 | $98 |
| Hawaii | $39 | $27 | $9 | $75 |
| Idaho | $32 | $20 | $10 | $62 |
| Illinois | $40 | $27 | $11 | $77 |
| Indiana | $34 | $22 | $11 | $67 |
| Iowa | $27 | $19 | $16 | $62 |
| Kansas | $32 | $23 | $21 | $76 |
| Kentucky | $47 | $24 | $12 | $83 |
| Louisiana | $73 | $37 | $19 | $128 |
| Maine | $30 | $23 | $9 | $62 |
| Maryland | $55 | $31 | $13 | $100 |
| Massachusetts | $52 | $34 | $12 | $98 |
| Michigan | $72 | $37 | $13 | $121 |
| Minnesota | $39 | $20 | $16 | $76 |
| Mississippi | $41 | $29 | $18 | $88 |
| Missouri | $38 | $24 | $16 | $79 |
| Montana | $34 | $23 | $21 | $77 |
| Nebraska | $33 | $21 | $20 | $74 |
| Nevada | $64 | $27 | $10 | $100 |
| New Hampshire | $35 | $26 | $9 | $70 |
| New Jersey | $76 | $33 | $11 | $119 |
| New Mexico | $44 | $24 | $15 | $84 |
| New York | $71 | $34 | $15 | $120 |
| North Carolina | $31 | $26 | $11 | $67 |
| North Dakota | $25 | $22 | $20 | $67 |
| Ohio | $35 | $24 | $10 | $69 |
| Oklahoma | $40 | $27 | $20 | $88 |
| Oregon | $53 | $20 | $8 | $81 |
| Pennsylvania | $43 | $29 | $13 | $85 |
| Rhode Island | $68 | $36 | $11 | $116 |
| South Carolina | $50 | $24 | $16 | $89 |
| South Dakota | $26 | $19 | $24 | $69 |
| Tennessee | $37 | $27 | $13 | $77 |
| Texas | $49 | $33 | $19 | $101 |
| Utah | $45 | $23 | $10 | $78 |
| Vermont | $30 | $26 | $11 | $68 |
| Virginia | $38 | $25 | $12 | $74 |
| Washington | $53 | $24 | $9 | $86 |
| West Virginia | $43 | $28 | $18 | $88 |
| Wisconsin | $33 | $20 | $12 | $65 |
| Wyoming | $29 | $24 | $23 | $75 |
| National Average | $48 | $29 | $13 | $90 |
Read more:
- Best Andover, Massachusetts Car Insurance Companies
- Best Idaho Car Insurance
- Best Illinois Car Insurance
- Best Kansas Car Insurance
- Best Montana Car Insurance
- Best North Carolina Car Insurance
- Best Oklahoma Car Insurance
- Best South Carolina Car Insurance
- Best Washington Car Insurance
- Best Wisconsin Car Insurance
- Best Wyoming Car Insurance
- Best Los Angeles, California Car Insurance
- Best Minnesota Car Insurance
- Best Missouri Car Insurance
- Best Massachusetts Car Insurance
- Best Nebraska Car Insurance
- Best Nevada Car Insurance
- Best Maryland Car Insurance
To make things even more complicated, some states are considered “no-fault” which means in certain types of accidents each driver and their corresponding insurance policy are required to cover their own damage. This is contrary to “tort” states, where people are allowed to sue each other for damages.
Unfortunately, it doesn’t stop there.
Some states are a cross between “no-fault” and “tort,” meaning each accident determines the actions available for the parties involved.
The bottom line is, car insurance is confusing. That confusion is compounded by the fact that every state has its own rules.
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Frequently Asked Questions
How do I know which car insurance company is the best in my state?
There are several factors to consider when choosing a car insurance company in your state, including their coverage options, customer service reputation, and pricing. You can start by researching the top car insurance providers in your state and reading customer reviews to get an idea of their overall reputation and satisfaction levels.
What are some of the top car insurance companies in California?
Some of the top car insurance companies in California include Geico, State Farm, Progressive, and Farmers Insurance. However, the best company for you will depend on your individual needs and preferences.
What is the best car insurance company in Texas?
The best car insurance company in Texas will depend on your individual needs and preferences. However, some of the top providers in the state include USAA, State Farm, Geico, and Allstate.
What factors should I consider when choosing a car insurance company in Florida?
When choosing a car insurance company in Florida, you should consider factors such as coverage options, pricing, customer service reputation, and financial stability. You may also want to research the company’s claims process and their responsiveness to customer inquiries.
What are some of the top car insurance companies in New York?
Some of the top car insurance companies in New York include Geico, Allstate, State Farm, and Progressive. However, the best company for you will depend on your individual needs and preferences.
Can I purchase car insurance from a provider that is not based in my state?
Yes, you can purchase car insurance from a provider that is not based in your state. However, you will need to ensure that the provider is licensed to sell insurance in your state and that they offer coverage options that meet your state’s minimum requirements.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.