State rankings

Car Insurance Rates by State

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
50 of 51 states
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Avg Annual Premium, Full Coverage

Darker means higher. Click a place to highlight it.

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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
#
1Louisiana$3,718$872- $15,000 bodily injury liability per person, - $30,000 bodily injury liability per accident+1
2Florida$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.
3New York$2,898$1,142- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+4
4Michigan$2,859$1,309- $50,000 bodily injury liability per person, - $100,000 bodily injury liability per accident+4
5California$2,848$724- $30,000 bodily injury liability per person, - $60,000 bodily injury liability per accident+1
6Kentucky$2,807$852- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+2
7New Jersey$2,687$1,284- $5,000 property damage liability per accident, - $15,000 personal injury protection
8Oklahoma$2,576$479- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
9Nevada$2,535$816- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
10Delaware$2,500$1,012- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+3
11Rhode Island$2,414$780- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
12Georgia$2,410$792- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
13South Carolina$2,407$783- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+4
14Pennsylvania$2,334$499- $15,000 bodily injury liability per person, - $30,000 bodily injury liability per accident+2
15Missouri$2,326$623- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+3
16Arkansas$2,321$504- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
17Colorado$2,315$489- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
18Connecticut$2,310$856- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+3
19Maryland$2,290$964- $30,000 bodily injury liability per person, - $60,000 bodily injury liability per accident+4
20Texas$2,260$624- $30,000 bodily injury liability per person, - $60,000 bodily injury liability per accident+1
21Arizona$2,257$634- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
22Alaska$2,217$461- $50,000 bodily injury liability per person, - $100,000 bodily injury liability per accident+2
23Kansas$2,171$549- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+4
24South Dakota$2,150$329- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+3
25West Virginia$2,135$569- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+4
26Montana$2,048$388- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
27Minnesota$2,021$618- $30,000 bodily injury liability per person, - $60,000 bodily injury liability per accident+4
28Mississippi$2,008$506- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
29Illinois$2,004$571- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+3
30Utah$2,002$661- $30,000 bodily injury liability per person, - $65,000 bodily injury liability per accident+2
31New Mexico$1,921$450- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
32Oregon$1,857$781- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+4
33Nebraska$1,839$392- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+3
34Alabama$1,836$462- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
35North Dakota$1,825$432- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+4
36Tennessee$1,787$487- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
37Massachusetts$1,777$525- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+4
38Virginia$1,776$580- $50,000 bodily injury liability per person, - $100,000 bodily injury liability per accident+3
39Wisconsin$1,750$424- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+3
40Wyoming$1,720$284- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
41Iowa$1,683$313- $20,000 bodily injury liability per person, - $40,000 bodily injury liability per accident+1
42Indiana$1,668$453- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
43Hawaii$1,655$428- $20,000 bodily injury liability per person, - $40,000 bodily injury liability per accident+2
44Washington$1,519$477- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
45New Hampshire$1,480$454- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+4
46Ohio$1,422$365- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
47North Carolina$1,412$486- $50,000 bodily injury liability per person, - $100,000 bodily injury liability per accident+3
48Maine$1,408$455- $50,000 bodily injury liability per person, - $100,000 bodily injury liability per accident+3
49Idaho$1,339$369- $25,000 bodily injury liability per person, - $50,000 bodily injury liability per accident+1
50Vermont$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 2,115 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)

  1. Scary Bridge LengthScariest Bridge by State
    r = +0.68 · strong · n = 39
    Plot
  2. HIV Death RateHIV Statistics by State
    r = +0.61 · strong · n = 50
    Plot
  3. Deadliest 10 Miles Fatal Crashes 2000-2019Deadliest Highway by State
    r = +0.58 · strong · n = 50
    Plot
  4. Deadliest 10 Miles Deaths 2000-2019Deadliest Highway by State
    r = +0.56 · strong · n = 50
    Plot
  5. Number of Malpractice PaymentsMedical Malpractice Payouts by State
    r = +0.55 · strong · n = 50
    Plot
  6. 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)

  1. Most & Least Intelligent States Index (Guru99)Dumbest States in the United States
    r = −0.61 · strong · n = 30
    Plot
  2. OpportunityBest States to Live InA rank: rank 1 is the best
    r = +0.56 · strong · n = 49
    Plot
  3. NCLEX Pass RateNCLEX Pass Rate by State
    r = −0.52 · strong · n = 50
    Plot
  4. SocioeconomicsBest States to Raise a FamilyA rank: rank 1 is the best
    r = +0.52 · strong · n = 50
    Plot
  5. Total Safety Score (WalletHub)Safest States in the US
    r = −0.51 · strong · n = 50
    Plot
  6. 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.

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