Which state has the highest Avg Annual Premium, Full Coverage?

Louisiana has the highest Avg Annual Premium, Full Coverage, at $3,718, followed by Florida ($3,536) and New York ($2,898).

Which state has the lowest Avg Annual Premium, Full Coverage?

Vermont has the lowest Avg Annual Premium, Full Coverage, at $1,237.

What is the median Avg Annual Premium, Full Coverage across US states?

The median is $2,092 across the 50 US states with data.

Where does this car insurance rates by state data come from?

Rankodex compiles it from World Population Review and the primary sources it cites: Car Insurance Rates by State - Forbes; State Minimum Car Insurance Requirements in 2026 - NerdWallet.

State rankings

Car Insurance Rates by State

Name: Car Insurance Rates by State
Creator: Rankodex

Louisiana has the highest Avg Annual Premium, Full Coverage ($3,718), followed by Florida ($3,536) and New York ($2,898). Vermont has the lowest ($1,237).

Law51 states · 3 metricsUpdated Apr 12, 2024Original page

2 sources

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Avg Annual Premium, Full Coverage

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All 50 ranked

Highest first.

Distribution Median and middle halfThe median is the middle value: half of places are above it, half below. The middle half is the range holding the central 50% of places.More in the glossary →

Each dot is one state; the lines mark the median and the middle half.

Median

$2,092

Middle half $1,776 – $2,389

Average

$2,126

50 states

Highest

$3,718

Louisiana

Lowest

$1,237

Vermont

Data

Click a column to sort, a row to highlight that place on the charts.

51 states · # = rank by Avg Annual Premium, Full Coverage

#
1	Louisiana	$3,718	$872	- $15,000 bodily injury liability per person, - $30,000 bodily injury liability per accident+1
2	Florida	$3,536	$1,295	- $10,000 property damage liability per accident, - $10,000 personal injury protection - Florida doesn't require standard drivers to carry bodily injury liability coverage.
3	New York	$2,898	$1,142	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+4
4	Michigan	$2,859	$1,309	- $50,000 bodily injury liability per person, - $100,000 bodily injury liability per accident+4
5	California	$2,848	$724	- $30,000 bodily injury liability per person, - $60,000 bodily injury liability per accident+1
6	Kentucky	$2,807	$852	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+2
7	New Jersey	$2,687	$1,284	- $5,000 property damage liability per accident, - $15,000 personal injury protection
8	Oklahoma	$2,576	$479	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
9	Nevada	$2,535	$816	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
10	Delaware	$2,500	$1,012	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+3
11	Rhode Island	$2,414	$780	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
12	Georgia	$2,410	$792	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
13	South Carolina	$2,407	$783	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+4
14	Pennsylvania	$2,334	$499	- $15,000 bodily injury liability per person, - $30,000 bodily injury liability per accident+2
15	Missouri	$2,326	$623	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+3
16	Arkansas	$2,321	$504	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
17	Colorado	$2,315	$489	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
18	Connecticut	$2,310	$856	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+3
19	Maryland	$2,290	$964	- $30,000 bodily injury liability per person, - $60,000 bodily injury liability per accident+4
20	Texas	$2,260	$624	- $30,000 bodily injury liability per person, - $60,000 bodily injury liability per accident+1
21	Arizona	$2,257	$634	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
22	Alaska	$2,217	$461	- $50,000 bodily injury liability per person, - $100,000 bodily injury liability per accident+2
23	Kansas	$2,171	$549	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+4
24	South Dakota	$2,150	$329	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+3
25	West Virginia	$2,135	$569	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+4
26	Montana	$2,048	$388	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
27	Minnesota	$2,021	$618	- $30,000 bodily injury liability per person, - $60,000 bodily injury liability per accident+4
28	Mississippi	$2,008	$506	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
29	Illinois	$2,004	$571	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+3
30	Utah	$2,002	$661	- $30,000 bodily injury liability per person, - $65,000 bodily injury liability per accident+2
31	New Mexico	$1,921	$450	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
32	Oregon	$1,857	$781	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+4
33	Nebraska	$1,839	$392	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+3
34	Alabama	$1,836	$462	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
35	North Dakota	$1,825	$432	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+4
36	Tennessee	$1,787	$487	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
37	Massachusetts	$1,777	$525	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+4
38	Virginia	$1,776	$580	- $50,000 bodily injury liability per person, - $100,000 bodily injury liability per accident+3
39	Wisconsin	$1,750	$424	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+3
40	Wyoming	$1,720	$284	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
41	Iowa	$1,683	$313	- $20,000 bodily injury liability per person, - $40,000 bodily injury liability per accident+1
42	Indiana	$1,668	$453	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
43	Hawaii	$1,655	$428	- $20,000 bodily injury liability per person, - $40,000 bodily injury liability per accident+2
44	Washington	$1,519	$477	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
45	New Hampshire	$1,480	$454	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+4
46	Ohio	$1,422	$365	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
47	North Carolina	$1,412	$486	- $50,000 bodily injury liability per person, - $100,000 bodily injury liability per accident+3
48	Maine	$1,408	$455	- $50,000 bodily injury liability per person, - $100,000 bodily injury liability per accident+3
49	Idaho	$1,339	$369	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
50	Vermont	$1,237	$291	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+4
—	District of Columbia	—	—	- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+4

What correlates with Avg Annual Premium, Full Coverage?

Pearson r against 2,112 other state metrics sharing at least 30 states. Ranks are read by standing: a better rank counts as higher, whether rank 1 is the best place on a list or the worst. Correlation is not causation.

Higher together

Places that have a higher Avg Annual Premium, Full Coverage tend to score higher on these (or rank better)

Scary Bridge LengthScariest Bridge by State
r = +0.68 · strong · n = 39
Plot
HIV Death RateHIV Statistics by State
r = +0.61 · strong · n = 50
Plot
Deadliest 10 Miles Fatal Crashes 2000-2019Deadliest Highway by State
r = +0.58 · strong · n = 50
Plot
Deadliest 10 Miles Deaths 2000-2019Deadliest Highway by State
r = +0.56 · strong · n = 50
Plot
Number of Malpractice PaymentsMedical Malpractice Payouts by State
r = +0.55 · strong · n = 50
Plot
Online Cost Of Sample TinChewing Tobacco Prices by State
r = +0.54 · strong · n = 30
Plot

Opposite directions

Places that have a higher Avg Annual Premium, Full Coverage tend to score lower on these (or rank worse)

Most & Least Intelligent States Index (Guru99)Dumbest States in the United States
r = −0.61 · strong · n = 30
Plot
OpportunityBest States to Live InA rank: rank 1 is the best
r = +0.56 · strong · n = 49
Plot
NCLEX Pass RateNCLEX Pass Rate by State
r = −0.52 · strong · n = 50
Plot
SocioeconomicsBest States to Raise a FamilyA rank: rank 1 is the best
r = +0.52 · strong · n = 50
Plot
Total Safety Score (WalletHub)Safest States in the US
r = −0.51 · strong · n = 50
Plot
Financial Safety Rank WalletHubSafest States in the USA rank: rank 1 is the best
r = +0.51 · strong · n = 50
Plot

Quick answers

Which state has the highest Avg Annual Premium, Full Coverage?: Louisiana has the highest Avg Annual Premium, Full Coverage, at $3,718, followed by Florida ($3,536) and New York ($2,898).
Which state has the lowest Avg Annual Premium, Full Coverage?: Vermont has the lowest Avg Annual Premium, Full Coverage, at $1,237.
What is the median Avg Annual Premium, Full Coverage across US states?: The median is $2,092 across the 50 US states with data.
Where does this car insurance rates by state data come from?: Rankodex compiles it from World Population Review and the primary sources it cites: Car Insurance Rates by State - Forbes; State Minimum Car Insurance Requirements in 2026 - NerdWallet.